After major storms in Missouri and Arkansas, it’s common for homeowners to hear a knock at the door from a roofer offering a “free inspection.” While some contractors may be legitimate, door-to-door storm solicitation carries real risks.
Before allowing anyone on your roof, it’s important to slow down and understand the potential consequences.
What Is a “Storm Chaser” Roofer?
Many door-knocking roofers are known as storm chasers. These contractors travel from area to area following severe weather events. Common red flags include:
- High-pressure sales tactics
- Requests to sign contracts immediately
- Promises of a “free roof”
- Claims that they are working directly with your insurance company
- Out-of-state license plates or temporary contact information
Some may be uninsured, underinsured, or not properly licensed—leaving homeowners exposed if problems arise.
Risks of Letting an Unknown Roofer Inspect Your Roof
Allowing a door-to-door roofer onto your roof can create several risks:
- Poor workmanship that leads to leaks or structural issues
- No long-term warranty support if the contractor leaves the area
- Liability exposure if the contractor lacks general liability or workers’ compensation insurance
- Interior damage caused by improper repairs
If a worker is injured and does not carry proper coverage, the homeowner could face unexpected financial responsibility.
Insurance Complications Homeowners Don’t Expect
Roofing claims are one of the most common homeowners insurance claims. However, improper contractor involvement can cause:
- Inflated estimates
- Claim delays
- Denied coverage
- Insurance fraud concerns
- Renewal complications
Some insurers may scrutinize claims more closely if repair documentation appears questionable or incomplete.
What Should You Do Instead?
If someone knocks on your door after a storm:
- Do not sign anything on the spot.
- Ask for proof of current general liability insurance.
- Ask for proof of workers’ compensation coverage.
- Verify licensing and local business presence.
- Research online reviews and references.
Choosing an established, reputable contractor with a permanent presence in Missouri or Arkansas reduces your risk significantly.
How Your Insurance Agent Can Help
A roofing claim isn’t just about shingles—it’s about protecting your home, finances, and future insurability. An independent insurance agency can help you:
- Understand how roof claims are handled
- Review your wind and hail deductible
- Explain how contractor selection can impact your claim
- Identify potential liability risks
The Bottom Line
Not every door-knocking roofer is a problem—but acting quickly without verifying credentials can create major financial and insurance complications. After a storm, take your time, document any visible damage, and work with properly insured, reputable contractors.
Protecting your home starts with making informed decisions—before you let anyone climb onto your roof. 🏠