Contractor fraud is one of the most common problems homeowners face when replacing a roof, especially after a storm. Dishonest contractors take advantage of urgency, confusion, and the complexity of insurance claims to overcharge, underdeliver, or disappear with your money. Knowing what to look for before you hire protects you, your home, and your claim.
What to Watch For
Fraud does not always look obvious. Here are the most common warning signs:
- Contractors who show up unsolicited after a storm
- Requests for large upfront payments or full payment before work begins
- No physical business address, no state license, or no proof of insurance
- Pressure to sign quickly before you have time to review
- Offers to waive your deductible; this is insurance fraud
- Requests to sign an Assignment of Benefits (AOB) contract, which transfers your insurance claim directly to the contractor
What Is an Assignment of Benefits Contract?
An Assignment of Benefits (AOB) contract transfers your insurance claim rights to a contractor. Once you sign, the contractor negotiates directly with your insurer, leaving you out of the process. You may end up with incomplete work, a disputed claim, or unexpected out-of-pocket costs. Never sign an AOB agreement without first consulting your insurer.
How to Protect Yourself
Taking a few simple steps before hiring a contractor significantly reduces your risk:
- Get at least three written quotes on company letterhead before committing
- Verify your contractor holds a current state roofing license
- Confirm the contractor carries liability insurance and workers' compensation
- Talk directly with your insurance company about your claim before a contractor gets involved
- Do not pay in full until the work is complete and inspected
- Work with a FORTIFIED Evaluator to ensure your roof meets the FORTIFIED standard and is properly documented
Find a Qualified Professional
The best protection against fraud is hiring someone you can verify. As of November 2025, only IBHS-certified FORTIFIED contractors can install roofs eligible for official designation. FORTIFIED-certified roofers and evaluators are listed in the IBHS directory and are accountable to a national standard. Hiring anyone outside that directory means your roof cannot receive a FORTIFIED designation, and you have no recourse if the work falls short of expectations.
Frequently Asked Questions
What should I do if I think I have been defrauded?
Contact your state insurance department and your insurer immediately. Document everything: contracts, receipts, photos, and communications. You can also file a complaint with your state attorney general's office or contractor licensing board.
Is it fraud if a contractor offers to waive my deductible?
Yes. Waiving a deductible is insurance fraud in most states. It means the contractor is inflating the claim to cover the deductible amount, which is illegal. Walk away from any contractor who makes this offer.
What is the difference between a FORTIFIED Roofer and a regular roofer?
A FORTIFIED-certified roofer has been trained on the IBHS FORTIFIED standard and has experience completing roofs that meet designation requirements. Not every licensed roofer is familiar with the standard, so working with a certified professional ensures your roof meets the requirements for the FORTIFIED designation, insurance discounts, and grant eligibility.
Do I need a FORTIFIED Evaluator if I already have a contractor?
Yes. The evaluator and contractor are separate roles by design. The evaluator is an independent, IBHS-certified professional who inspects the work and verifies that it meets the standard. No contractor can self-certify a FORTIFIED designation.
Where can I find a verified FORTIFIED contractor?
Use the IBHS professional directory to find certified roofers and evaluators in your area. Find a Professional
Is there a checklist I can take with me when getting quotes?
Yes. Download the Contractor Fraud Checklist for a step-by-step guide to vetting contractors and protecting yourself through the hiring process. Download the Contractor Fraud Checklist