The 5 Red Flags You Need to Know
Roofing scams cost Oklahoma homeowners millions each year — especially after major hailstorms when demand for roof repairs spikes. Scammers prey on the urgency and confusion that follows storm damage. Here are the 5 red flags that should send you running from any roofing contractor.
Red Flag #1: The "Free Roof" Pitch
"Sign over your insurance check and we'll cover your deductible!" — This is insurance fraud. If a contractor offers to pay your deductible, they're illegally inflating their bid to cover the cost. You're now complicit in fraud, and both you and the contractor can face criminal charges, fines, and policy cancellation.
Red Flag #2: High-Pressure Sales Tactics
"This price is only good if you sign today." — Legitimate roofing contractors provide written estimates that are valid for 30 days. If someone demands an immediate decision, they're counting on your urgency to prevent you from checking their credentials or getting competing bids.
Red Flag #3: No Local Business Address
If the contractor can't meet you at their physical office location, they're likely operating without a permanent base. Check their address on Google Maps and verify they actually have a physical presence in your community.
Red Flag #4: Cash-Only Payments
Reputable contractors accept credit cards, checks, and financing. Cash-only is a sign they're trying to avoid taxes — and they'll have no paper trail if something goes wrong.
Red Flag #5: They Pressure You to Sign an AOB
Assignment of Benefits (AOB) gives the contractor the right to sue your insurance company on your behalf — and to collect payment directly. While legitimate contractors use AOBs, scammers use them to inflate claims and pocket the difference.