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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Mims, FL

Your roof is one of the most important investments you'll make for your Mims home. Unfortunately, roofing scams spike after storms and throughout Brevard County. Knowing how to spot a bad actor before you sign a contract can save you thousands of dollars and serious headaches. Here's what every Mims homeowner needs to know to stay protected.

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Common Residential & Commercial Roofing Scams in Mims

Be aware of these tactic used by unlicensed operators

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The Storm Chaser

After a hailstorm or hurricane, out-of-town contractors flood into Mims offering 'free inspections' and storm damage claims. They pressure you into signing an insurance assignment of benefits (AOB), then do shoddy work or disappear before the job is done. Many leave town before warranty issues arise.

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The Low-Ball Bid Switch

A roofer gives you an extremely low quote to beat out competitors. After you sign and pay a deposit, they claim they 'found serious structural issues' and demand thousands more to continue. You're stuck — either pay up or lose your deposit and start over.

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The Insurance Deductible Fraud

A roofer offers to 'waive' or 'absorb' your insurance deductible, claiming they'll work with your insurance to cover everything. This is illegal in Florida. It's insurance fraud, and you could be held liable or have your claim denied.

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The Vanishing Warranty

A contractor promises a '20-year workmanship warranty' but is out of business within a year or two. Their phone number is disconnected, their office is empty, and you're left with a leaky roof and no recourse.

How to Verify a Professional

1

Insurance

Ask for a Certificate of Insurance directly from their insurance agent, not just a paper they hand you. Verify they carry both general liability insurance (to cover damage to your property) and workers' compensation insurance (to cover injuries to workers on your property). Call the insurance company listed to confirm the policy is active.

2

Licensing

In Florida, roofing contractors must be licensed by the Florida Department of Business and Professional Regulation (DBPR). Visit the DBPR website and search for the contractor's license number. Verify the license is active, in good standing, and covers roofing specifically — not just a general contractor license. Also check with Brevard County for any additional local licensing requirements.

3

References

Ask for at least three recent references from jobs completed in Mims or nearby Brevard County communities. Call those homeowners and ask: Was the job finished on time? Did the crew clean up daily? Were there any surprise charges? Also check online reviews on Google and the Better Business Bureau — but be skeptical of reviews that sound overly generic or fake.

Protection FAQs

What is the first thing I should check before hiring a roofer in Mims, FL?

Verify their Florida roofing license through the DBPR website. Roofing in Florida requires a specific certified roofing contractor license (CRC). Confirm it's active and in good standing before discussing any work. This is your single most important protection step.

Is it normal for a roofer to ask for money upfront in Florida?

A reasonable deposit of 10–30% is standard in the roofing industry. Florida law actually limits down payments for home improvement contracts. Never pay more than 30% upfront, and never pay the full balance until the job is complete and you've done a final inspection.

How can I tell if a roofing company is local to Mims?

Ask for their physical business address and verify it on Google Maps or the Brevard County property appraiser site. Check how long they've been listed at that address. Look for a local phone number with a 321 area code. Out-of-state companies with temporary local numbers are a major red flag.

What should be included in a roofing contract in Florida?

A valid roofing contract must include: the contractor's name, address, and license number; a detailed description of work and materials; the project start and completion dates; the total price and payment schedule; warranty terms; and a notice of your right to cancel within three days under Florida law.

What is a 'storm chaser' roofer and why should I avoid them?

Storm chasers are out-of-town contractors who follow severe weather events. They go door-to-door offering quick repairs, demand upfront payment, and often leave town before the work is finished — or do such poor work that leaks appear months later. You'll have no way to reach them for warranty repairs. Always hire a roofer with deep local roots in Brevard County.

What should I do if I suspect a roofing scam in Mims?

Stop all communication immediately. Do not sign anything or make any payment. Report the contractor to the Florida DBPR and the Brevard County Consumer Protection office. If you've already paid with a credit card, contact your card issuer to dispute the charge. Then get connected with verified local roofers who have passed proper screening.

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Licensed & insured professionals CALL NOW: 1-866-674-2070