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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Keego Harbor

Roofing is a major investment for your home or business, and unfortunately, scammers often target homeowners after storms or during seasonal changes. In Keego Harbor and throughout Oakland County, dishonest contractors use various tactics to take advantage of property owners. This guide helps you recognize red flags and take protective steps before hiring a roofing professional. Protect your investment by learning how to spot common roofing scams and verify legitimate contractors. A trustworthy roofer will welcome your questions and provide proper documentation without pressure.

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Common Residential & Commercial Roofing Scams in Keego Harbor

Be aware of these tactic used by unlicensed operators

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Storm Chaser Scams

Contractors appear after storms claiming to 'inspect for damage' and often exaggerate or create damage to file unnecessary insurance claims. They may pressure you to sign contracts immediately before your insurance adjuster arrives.

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Material Switching Scams

Contractors quote premium materials but install cheaper, inferior products. They may show you quality samples but use different materials on your roof, pocketing the price difference.

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Insurance Fraud Schemes

Contractors offer to handle your insurance claim and may inflate damage estimates, suggest you commit fraud by claiming pre-existing damage, or pressure you to sign over insurance benefits directly to them.

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Deposit Disappearance

Contractors demand large deposits (often 50% or more) then disappear or delay work indefinitely. They may start minimal work to appear legitimate before vanishing with your money.

How to Verify a Professional

1

Insurance

Always ask for proof of both liability insurance and workers' compensation coverage. Request certificates of insurance directly from their insurance provider. This protects you if accidents occur on your property or if workers get injured during the project.

2

Licensing

In Michigan, roofing contractors must be licensed. Verify their license through the Michigan Department of Licensing and Regulatory Affairs (LARA). Ask for their license number and check it online. Legitimate contractors will provide this information willingly and may even show you their physical license.

3

References

Ask for recent local references from projects similar to yours. Contact these references and ask about work quality, communication, timeline adherence, and cleanup. Visit completed projects if possible to see the quality firsthand.

Protection FAQs

What percentage deposit is reasonable for roofing work?

Reputable roofing contractors typically request 10-30% deposit to secure materials. Be wary of requests for 50% or more upfront. Establish a payment schedule tied to project milestones, with final payment due only after satisfactory completion and cleanup.

How can I verify a Michigan roofing license?

Visit the Michigan Department of Licensing and Regulatory Affairs (LARA) website or call their licensing division. Ask the contractor for their license number and verify it matches their business name. Legitimate contractors will provide this information without hesitation.

What should I do if a contractor shows up after a storm?

Politely decline immediate inspections and never sign anything on the spot. Contact your insurance company first for their claims process. Take photos of any damage for documentation. Then research and contact established local roofing companies for estimates.

Are verbal estimates legally binding for roofing work?

No, verbal estimates are not legally binding and leave you vulnerable to price increases. Always insist on a detailed written estimate that includes materials, labor, timeline, and payment terms. This protects both parties and ensures clear expectations.

What insurance coverage should my roofer have?

Your roofing contractor should carry both general liability insurance (protects your property) and workers' compensation insurance (protects you if workers get injured). Request certificates of insurance directly from their provider, not just copies from the contractor.

How long should a roofing warranty last?

Quality roofing materials typically come with manufacturer warranties of 20-50 years. Workmanship warranties from reputable contractors usually range from 5-10 years. Ensure both are provided in writing and understand what each covers and any maintenance requirements.

Hire with Confidence

Don't take risks with your property. We connect you with pre-screened, licensed professionals in Keego Harbor.

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