Roof Repair / Replace scams are running rampant in Alabama and other states.
This is how it works: Someone knocks on your door and uses recent data (within the past few weeks/months/years) of hail storms or other bad weather events to explain that your insurance company will pay to repair or replace your roof. "Your other neighbors are getting new roofs. Please sign here."
SLAM THE DOOR AS FAST AS YOU CAN!
You may indeed have damage from a recent hail storm or other event. If so, contact your local insurance agent who can discuss the situation with you to decide if filing a claim is necessary. If there are damages that need to be repaired, then you can start the process. Some of these "contractors" and "roofing companies" try to get you to let them file a claim with your insurance company on your behalf to 'get started right away.' An insurance adjuster will still need to come out to review the potential damages to your property. This results in a "claim" on your homeowners policy --- even if $0 is paid out. You could also experience problems with the company, their workmanship, or having incomplete or incorrect work done.... Don't get caught up in this mess!
Protect your insurance policy like you protect your home and work with a local insurance agent who can make sure that your best interests are taken into consideration.
This Tuscaloosa News article from March, 2010 warned of unlicensed con men going door to door using high-pressure sales and scare tactics, along with meaningless, technical-sounding jargon, to fool victims into hiring them for roof repair or replacement jobs. This Insure.com article has some great tips and information and also reports that the National Insurance Crime Bureau has seen a 200%+ increase in fraudulent insurance claims...
Worried? DON'T BE! You now know to contact your local insurance agent who can walk you through the whole process if you are presented with this scenario. Do you have a local insurance agent that you can trust? If you are in Alabama, we would be honored to work with you and your family to help you protect what's most important.
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