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🛡️ Consumer Protection Guide

Avoid Roofing Scams in New Troy

Roofing is a significant investment for your home or business, and unfortunately, scammers often target homeowners after storms or during peak seasons. In New Troy and throughout Berrien County, knowing the warning signs can protect you from losing thousands of dollars to dishonest contractors. This guide helps you recognize red flags, verify legitimate roofing professionals, and understand common scam tactics in the roofing industry. Think of it as advice you'd give a family member before hiring someone for such an important job.

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Common Residential & Commercial Roofing Scams in New Troy

Be aware of these tactic used by unlicensed operators

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Storm Chaser Scams

Contractors travel to areas recently hit by storms, offering 'free inspections' and claiming extensive damage that needs immediate repair. They often pressure homeowners to sign contracts quickly and may even offer to handle insurance claims directly.

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Material Switching Scams

Contractors quote high-quality materials but install cheaper, inferior products. They may show you premium shingles during the estimate but use budget materials that won't last as long or provide proper protection.

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Insurance Fraud Schemes

Some contractors encourage homeowners to file fraudulent insurance claims for non-existent damage or exaggerate minor issues. They may promise to 'work with your insurance' to get the claim approved, putting you at risk of insurance fraud charges.

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. 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. Legitimate contractors will provide this information willingly.

3

References

Ask for at least 3 recent local references in the New Troy area. Call these references and ask specific questions about work quality, communication, timeline adherence, and whether they would hire the contractor again. Visit completed projects if possible.

Protection FAQs

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

Politely decline any immediate inspection offers. Take their business card if they have one, but never sign anything on the spot. Research the company thoroughly online, check reviews, and verify their licensing before considering their services.

How much deposit should I pay a roofing contractor?

Typically, 10-30% of the total project cost is reasonable for a deposit. Never pay the full amount upfront. Legitimate contractors understand this industry standard and won't pressure you for excessive deposits.

What roofing licenses are required in Michigan?

Michigan requires roofing contractors to be licensed through LARA. They should also have proper insurance coverage. You can verify licenses online through the Michigan LARA website or by calling their licensing division.

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

Ask for certificates of insurance directly from their insurance provider, not just copies from the contractor. Call the insurance company to verify the policy is current and includes both liability and workers' compensation coverage.

What should be included in a roofing contract?

A proper contract should include: detailed scope of work, specific materials with brand names and grades, project timeline with start and completion dates, payment schedule, warranty information, cleanup procedures, and permit acquisition responsibilities.

Are permits required for roofing work in New Troy?

Yes, most roofing work requires permits in Berrien County. Reputable contractors will pull the necessary permits themselves. If a contractor suggests skipping permits to 'save you money,' this is a major red flag and could lead to problems with insurance and future home sales.

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