BEWARE!!! Door Knocking – Storm Chasing ROOFERS! We have been hearing from our customers about this subject for AT LEAST 5+ years. Our clients are tired of it, we are tired of i,t and certainly insurance companies are SICK OF IT!!!
Here is a very real scenario that is happening here in Middle Tennessee:
There is a storm in your neighborhood that produces HIGH-WINDS or HAIL. Within hours of that storm, you get a knock on your door. Some representative of a roofing company (often times, they don’t even work for a roofing company) tells you ..”You’ve got roof damage from this recent storm. We can handle everything for you, including filing the claim with your insurance company.” You are a little caught off guard, but their well-rehearsed tactic scares you a little, and you think: “What have I got to lose .. I should let them do it!!” HOLD ON JUST A MINUTE. Let’s look deeper.
If you agree to let them look at your roof, you are their lawful prey. Most roofing companies do NOT do repairs – they only replace a roof. So, if they get on your roof and look at it, they have zero motivation for your home to NOT need a roof.
So, what do they do?
They come down off the roof and give you the most sorrowful look and say: “Yep, it’s damaged. You should file a claim.”
Of course, there is a claim. Car salesmen don’t get paid for test drives, and roofers don’t get paid unless roofs are coming off.
Here are the two possible outcomes:
1) They do get it covered, and they get a roof replacement out of the deal. It’s a WIN for them. -or-
2) The insurance company says there is no damage in which case they just say: “Your insurance company must be trying to get out of the high cost of your claim. You shouldn’t trust them!”Ultimately, this causes a rift between you and the insurance company, typically for no reason.
The roofing company? They have no outcome that does not have them looking like a star.
But YOU – the preyed upon consumer? You will pay! If the roof is damaged and covered, then that’s
fine, and every now and then, that can happen. THAT is why you have insurance.
But what if the roofing company says there’s damage and none is found by the insurance company?
You just filed a claim on your homeowners policy, and it’s going to get denied. BUT A BIG –
HOWEVER, you are going to get dinged for the claim on your policy history that you filed for no
appropriate reason. The roofing company is gone, and nothing happens to them.
If you ever have someone knock on your door and say you have damage, politely but firmly tell
them you’ll consider all of this with US, your insurance agency. We have STEPS to take with
HONEST – ESTABLISHED – NON-DOOR KNOCKING ROOFERS who will help you. 90% of the
time, what our preferred roofers say needs to happen is honored by the insurance company, very
few questions asked.
YES – It’s a RACKET and you very seldom win! Let us continue to EARN your business by being
available for you to call us and let us guide you to the best solution for you. We’re here to pay claims,
and if you have one, we’ll help you get it paid THE RIGHT WAY!
Thanks for your business. We take all of this very seriously because it’s our job to have your back –
And we do. TEXT or PHONE us at 615.377.1212 or EMAIL us at info@BentonWhite.com. We’re
here to make insurance easy to understand and give you navigable steps to solve all claim problems,
including ROOFS! Thanks for your business!
