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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Shalimar

Shalimar homeowners and business owners deserve a roof they can trust — and a roofer who does honest work. Unfortunately, storm chasers and unlicensed contractors often target our community after severe weather. Knowing what to look for can save you thousands and prevent major headaches. This guide walks you through common roofing scams, red flags to watch for, and how to verify you're hiring a legitimate professional in Okaloosa County.

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Common Residential & Commercial Roofing Scams in Shalimar

Be aware of these tactic used by unlicensed operators

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Storm Chaser Scams

Out-of-town roofers show up after a storm, offering to handle your insurance claim and fix damage you may not even have. They often push you to sign an Assignment of Benefits (AOB) form, which gives them control over your insurance payout — sometimes leading to inflated claims, lawsuits, and shoddy work.

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The Low-Ball Quote Bait-and-Switch

A roofer gives you an extremely low estimate to win the job, then discovers "unforeseen issues" once work begins — like rotten decking or structural damage. Your final bill can double or triple from the original quote, and you're already committed mid-project.

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Insurance Claim Fraud (Waiving Deductibles)

A roofer promises to "pay your deductible" or "waive it entirely" — which is illegal in Florida. They may inflate the claim amount to cover your portion, which can land both you and the contractor in legal trouble and void your insurance coverage.

How to Verify a Professional

1

Insurance

Request a certificate of insurance directly from the roofer's insurance provider — not just a paper copy the roofer hands you. Verify they carry both general liability insurance (at least $1M) and workers' compensation coverage to protect you if someone gets hurt on your property.

2

Licensing

Florida requires roofing contractors to be licensed through the Florida Department of Business and Professional Regulation (DBPR). Search their license database online using the contractor's full business name or license number. Always confirm the license is active and in good standing before signing anything.

3

References

Ask for at least 3 recent local references from jobs completed in Shalimar or nearby Okaloosa County communities. Call those homeowners and ask about the experience, timeline, budget adherence, and whether any issues came up after the job was done.

Protection FAQs

Do roofing contractors need a license in Shalimar, FL?

Yes. Florida law requires all roofing contractors to hold a valid license from the Florida Department of Business and Professional Regulation (DBPR). This applies to both residential and commercial roofing work in Shalimar and throughout Okaloosa County. You can verify any license for free on the DBPR website.

What should I do if a roofer knock on my door after a storm?

Be cautious. Storm chasers often target neighborhoods after hail or wind events. Do not sign anything on the spot. Take their information, tell them you'll research and get back to them, then verify their Florida license, insurance, and local references before making any decisions.

Is it normal to pay a deposit before roofing work starts?

A small deposit (10-20% of the total) for materials is reasonable, but be extremely wary of contractors demanding 50% or more upfront. Florida law limits roofing deposits and sets specific payment schedules. Never pay the full amount until the work is complete and you're satisfied.

How can I tell if a roofer has proper insurance?

Ask for a certificate of insurance directly from their insurance provider, and call the carrier to verify it's active. You need to see evidence of both general liability insurance (covering damage to your property) and workers' compensation (covering injuries to workers on your property).

What is an Assignment of Benefits (AOB) and why should I avoid it?

An AOB is a contract that lets a roofer step into your shoes and deal directly with your insurance company — including receiving your claim payments. While not always a scam, it's a common tool used in roofing fraud. Florida has specific laws around AOBs, and signing one can take control out of your hands. Consult your insurance agent before signing any AOB.

What warranty should I expect from a reputable roofer in Shalimar?

A trustworthy roofer will offer both a manufacturer's warranty on the roofing materials themselves (typically 20–50 years for shingles) and a separate workmanship warranty covering labor and installation. Workmanship warranties should be at least 2–5 years, with many reputable roofers offering longer coverage.

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