After the recent hail storms, unlicensed "storm chasers" are going door-to-door in Frisco, Prosper, Celina, and Allen offering free roof inspections.
The scam:
- They knock, say they noticed hail damage, offer a "free inspection"
- They climb on your roof, "find damage" (sometimes causing it themselves)
- They pressure you to sign a "direction to pay" or assignment of benefits
- That document gives them your insurance claim money directly
- They do shoddy work or disappear after collecting the check
Red flags:
- Door-to-door solicitation right after a storm
- Pressure to sign anything immediately
- Company name you've never heard of with out-of-state plates
- Offer to cover your deductible (this is actually insurance fraud)
- No Texas contractor license number on their materials
What to do instead:
- Call YOUR insurance company first
- Get 3 quotes from licensed, local roofers
- Verify licenses at TDLR (Texas Dept of Licensing)
- Never sign an assignment of benefits
Source: Texas Department of Insurance storm chaser warnings, BBB DFW
Every hail season like clockwork. Protect your neighbors.
Change my mind.
The assignment of benefits scam is the worst one because it sounds reasonable. DO NOT SIGN ANYTHING that lets them deal directly with your insurer.