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🛡️ Consumer Protection Guide

Avoid Roofing Scams in New Baltimore

Roofing projects are significant investments that can leave homeowners vulnerable to scams. In New Baltimore and throughout Macomb County, dishonest contractors often target residents after storms or during peak seasons. This guide helps you recognize red flags and protect your home and wallet. By understanding common tactics and knowing what to look for in a trustworthy roofer, you can make informed decisions and avoid becoming a victim of roofing scams.

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Common Residential & Commercial Roofing Scams in New Baltimore

Be aware of these tactic used by unlicensed operators

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The Storm Chaser Scam

Contractors appear after storms claiming to be 'in the area' and offer free inspections. They often exaggerate damage or create new damage to justify unnecessary repairs. These operators typically leave town quickly after collecting payment.

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The Insurance Fraud Scheme

Unscrupulous roofers offer to handle your insurance claim and promise to cover your deductible. They then inflate the claim amount or perform substandard work, potentially putting you at risk of insurance fraud charges.

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The Material Swap Scam

Contractors quote premium materials but install cheaper, inferior products. They may show you high-quality samples but use different materials on your roof, significantly reducing the lifespan of your roofing system.

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The Permitting Bypass

Contractors skip necessary permits to save time and money, leaving you with unpermitted work that can cause problems when selling your home or filing insurance claims. They may claim permits aren't needed for 'repairs'.

How to Verify a Professional

1

Insurance

Always ask for proof of both liability insurance and workers' compensation coverage. Request certificates directly from their insurance provider. Without proper insurance, you could be held liable for accidents or injuries on your property.

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. Be wary of contractors who claim they don't need a license for 'small jobs'.

3

References

Ask for recent references from projects in the New Baltimore area. Contact these references and ask about work quality, communication, and whether the project stayed on budget. Visit completed projects if possible to see the work firsthand.

Protection FAQs

What should I do if a roofer shows up at my door after a storm?

Politely decline their services and close the door. Legitimate roofing companies don't need to solicit door-to-door. If you suspect storm damage, contact your insurance company first, then research established local roofers with verifiable credentials.

How much should I pay upfront for a roofing project?

In Michigan, it's reasonable to pay a small deposit (typically 10-33%) to secure materials. Never pay the full amount upfront. Payments should be tied to project milestones, with the final payment due only after you're satisfied with the completed work.

What roofing licenses are required in New Baltimore?

Michigan requires roofing contractors to be licensed through LARA. Additionally, Macomb County may have local requirements. Always verify state licensing and check for any local business registration requirements in New Baltimore.

Can a roofer legally offer to cover my insurance deductible?

No. In Michigan, it's illegal for contractors to offer to pay, waive, or rebate insurance deductibles. This practice constitutes insurance fraud and can result in serious legal consequences for both the contractor and homeowner.

What should be included in a roofing contract?

A proper contract should include: complete scope of work, material specifications (brand, color, grade), project timeline, payment schedule, warranty details, permit information, cleanup procedures, and procedures for handling changes or unexpected issues.

How can I verify a roofer's insurance is current?

Ask for certificates of insurance directly from their provider, not photocopies from the contractor. Contact the insurance company to verify the policy is active and covers the dates of your project. Ensure both liability and workers' compensation are included.

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