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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Stilesville

Roofing scams can cost Stilesville homeowners thousands and leave you with shoddy work or no work at all. Storm chasers and dishonest contractors often target areas after severe weather, using high-pressure tactics and false promises. Protect your home and investment by learning the warning signs and verification steps that separate trustworthy professionals from scammers. This guide helps you spot red flags before you sign anything.

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Common Residential & Commercial Roofing Scams in Stilesville

Be aware of these tactic used by unlicensed operators

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Storm Chaser Scams

Out-of-town contractors arrive after storms, claim you have damage, offer 'insurance specials,' then disappear with deposits or do substandard work before moving to the next town.

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Insurance Fraud Schemes

Contractors offer to handle your insurance claim, then inflate damage estimates or create false damage to maximize insurance payouts, potentially committing fraud in your name.

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Material Switching

Contractors quote premium materials but install cheaper, inferior products while charging for the higher quality. This is common with shingles, underlayment, and flashing.

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Deposit Disappearance

Contractors demand large deposits (often 50% or more) for 'material purchases' then never return or start work. They may provide fake receipts or excuses about supply chain issues.

How to Verify a Professional

1

Insurance

Request a Certificate of Insurance (COI) showing both liability and workers' compensation coverage. Call the insurance company directly to verify the policy is active and adequate for roofing work.

2

Licensing

Check Indiana's Professional Licensing Agency website for roofing contractor licenses. Verify the license is current and matches the business name. In Hendricks County, ensure they have proper local business registration.

3

References

Ask for 3-5 recent local references in Stilesville or nearby areas. Contact these references and ask about work quality, communication, and whether the project stayed on budget. Visit completed projects if possible.

Protection FAQs

What's a reasonable deposit for roofing work?

Reputable roofing contractors typically require 10-20% deposit for material purchases. Be wary of requests for 50% or more upfront. Always pay deposits with traceable methods like credit cards or checks, never cash.

How can I verify a roofer's license in Indiana?

Check the Indiana Professional Licensing Agency website or call (317) 234-3000. Verify the license is current and matches the business name. Also check with Hendricks County for local business registration requirements.

What should a roofing contract include?

A proper contract should include: complete scope of work, material specifications with brand names, start and completion dates, payment schedule, warranty details, cleanup responsibilities, and permit information. Never sign incomplete contracts.

Are door-to-door roofers always scammers?

While not always scammers, legitimate roofing companies rarely use door-to-door solicitation. Established businesses get work through referrals and reputation. Be especially cautious after storms when 'storm chasers' target neighborhoods.

What insurance should my roofer have?

They must have both general liability insurance (minimum $1 million) and workers' compensation insurance. Request Certificates of Insurance and verify directly with the insurance company. Don't accept verbal assurances.

How do I handle roofing insurance claims safely?

Get your own independent assessment first. Never let contractors handle your insurance claim directly. Review all claim documents before signing. Be present for insurance adjuster inspections. Keep copies of all communications.

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Licensed & insured professionals CALL NOW: 1-866-674-2070