Beware of another Roofing Scam in the Kansas City area. If a storm causes damage to your home, beware of the contractor offering to perform all of the necessary repairs for whatever amount they can get your insurance company to agree to pay. These companies are often simply looking for a way to get their hands on your insurance funds without having to do much, if any work to earn it. Here’s one way they do it. The roofing scam is they will tell you they are an “insurance claims specialist” and if you will just sign the dotted line, authorizing them to deal directly with your insurance company, they will negotiate a fair settlement on your behalf and agree to perform the work for that negotiated amount. They make themselves sound good by telling you they can find lots of damage that might otherwise go un-detected. They claim they can get you a larger settlement amount than you would get on your own, and they might even claim to be a big super duper company that is able to perform all of the various types of repairs themselves, saving you from having to hire several contractors to get the same work completed. The big problem is, these contractors are often “NOT” really a professional outfit at all and if you decide you do not want their services, you may find that you have signed a contract granting them a hefty percentage of your total insured loss amount, even if you choose not to have them do any work. So, even though they may never perform any of the work needed to correct the storm damage to your home, you could potentially end up paying them 15% or more of your insurance settlement amount simply for having authorized them to “handle your claim.” So, please be very wary of someone who is all too eager to “handle your claim” for simply agreeing to sign the dotted line on their form.
Regardless of the reason for a Kansas City roof inspection, roof inspections are best performed “upon the roof” (not from the ground) by someone who has the training, knowledge, and experience to identify all relevant factors, including:
- Normal weathering
- Manufacturer defects
- Storm related damage
- Intentional (i.e. mechanical/hammer-caused) damage
- Un-intentional (i.e. foot fall, tree limbs, rodents, etc) damage
- Standard methods of installation
- Compliance to local code requirements
- Proper integration of roofing with siding
- Proper ventilation
If you watch the news much, you’ve undoubtedly seen more than one story about a homeowner who paid a Roofing Contractor deposits up front and never saw the company return to do any work. The sad truth is it happens all the time! Consumers are simply too trusting and evidently there are a lot of contractors that just aren’t trustworthy! In most instances I don’t believe consumers should EVER agree to pay a roofing contractor deposits. However, there are two instances I can understand why a contractor could reasonably expect a deposit. One instance is when a contractor must custom order products or materials for a particular job. In those situations, were the customer to default for any reason, the contractor could be stuck with product or materials he may not be able to use elsewhere. A deposit would help protect the contractor from being out-of-pocket for any custom products or materials he may not be able to use on another job. The other instance a deposit may be justified is when the contractor is concerned that a customer may be unable to pay for the job. In those situations a contractor may wish to protect themselves from a potential bad credit risk by demanding a portion or even all of the proceeds in advance. However, in most instances I firmly believe a deposit is simply not justified and ill advised! After all, if a contractor needs a deposit from you in order to afford the materials for your job, that company obviously does not have enough working capital or credit to be bidding your project. In virtually all instances you would be better off to avoid the risk and worry of paying an advance deposit if you can.
The safest choice is to deal with a professional who doesn’t need your hard earned money up front to fund their operations. We rarely ask for a roofing deposit and when we do it is typically because of one of the two reasons just mentioned. Larry Vaught Roofing has been serving the area since 1967. We fund all of our projects with our own working capital and you may rest assured we do not need a deposit from you to fund our operations. So let Larry Vaught Roofing provide your roofing and guttering needs and eliminate the risk of being ripped off by one of those guys who needs your money up front before he will even consider showing up later to do the work.