After Storm Damage: How to Avoid Contractor Fraud
After a storm sweeps through your neighborhood, the aftermath can be overwhelming. Between damaged roofs, fallen trees, and the urgency to repair your home, it’s easy to let your guard down.
In times like these, you’re likely focused on your family’s well-being and your home’s recovery—not watching out for scams. Unfortunately, some dishonest contractors take advantage of this vulnerability.
Whether you have minor roof damage from a summer thunderstorm or severe damage from a tornado, it’s important to recognize the warning signs of fraudulent contractors to keep your home and finances protected.
First, notify your insurance company
Before hiring a contractor or signing any agreements for home repairs after storm damage, your first call should be to your insurance company. Speaking with your agent and having a professional claims adjuster assess the damage can help you avoid paying out of pocket for repairs that may already be covered by your home insurance. Some devious contractors might claim that they know what your insurance will or won’t pay for, but don’t take their word for it. Let your insurance provider be your guide. Consulting with your insurer first can also help prevent unnecessary or inflated repairs. And remember, just because a contractor offers a lower price doesn’t always mean you’re getting the best value in the long run.
Don’t rush into repairs
It’s natural to want to fix things quickly when it comes to your home. However, don’t rush into hiring the first person who offers help. Take the time to let your insurance company assess the damage before making any decisions. Before you hire a contractor, get multiple written estimates from other companies, ask detailed questions about materials and timelines, and don’t hesitate to say, “I need more time to think this over.” Reputable contractors shouldn’t pressure you into signing a contract on the spot. It’s also wise to research local contractors, read reviews, and check credentials and licensing. Your insurance company may offer a list of reputable or preferred contractors, though you're not obligated to use them.
Look out for common red flags
Not every contractor who shows up after a storm has bad intentions; many are honest professionals genuinely trying to help. Still, it’s important to stay alert and trust your instincts. Don’t hesitate to get a second opinion if something feels off. Watch out for contractors who:
- Show up at your door unsolicited after a storm or catastrophe (like a tornado or hurricane)
- Use high-pressure sales tactics (e.g., “Sign today or the price goes up,” or “This needs to be fixed immediately”)
- Say they can waive your insurance deductible (this is not only unethical but is usually considered insurance fraud)
- Demand full payment upfront or insist on cash-only
- Offer deals that seem too good to be true
- Refuse to provide a written contract
- Cannot show proof of licensing or insurance
- Say they have “leftover” materials from another job
- Drive an unmarked vehicle or one with out-of-state plates
Get everything in writing
Never rely on verbal promises from a contractor. Ask for a detailed, written contract that clearly outlines the scope of work, materials to be used, total cost, payment schedule, and the project timeline, including start and completion dates. Read the contract carefully before signing and pay close attention to the fine print. Never sign a blank or incomplete contract, and avoid any document that’s vague or missing key details. Scammers may alter the terms or fill in fraudulent information after getting your signature. A legitimate contractor should have no issue providing a thorough agreement and giving you time to review it before making a decision.
Check for proper licensing and insurance
Verify that your prospective contractor is properly licensed to operate in your state. Ask for proof of licensing and insurance, including liability and workers’ compensation coverage. Hiring someone without the right credentials can leave you financially responsible for property damage or injuries that occur on the job. A reputable contractor should be transparent about their credentials and happy to provide documentation.
Keep records and receipts
Be sure to document everything related to the storm damage and repair process. Take clear, dated photos of all damaged areas before any work begins, and continue documenting throughout the process. Save all written communication: emails, texts, voicemails, estimates, and signed contracts. Store these copies in a secure, organized place (e.g., a dedicated folder in your email inbox, a cloud storage service, or a physical file folder for printed documents). Keep copies of all receipts and invoices as well. Having a detailed paper trail can help clarify project details, support your insurance claim, and protect you in case disputes or issues come up later.
Inspect the finished work
Once repairs are complete, take time to inspect the work before making the final payment. Check that all agreed-upon repairs were done correctly and thoroughly, and that the materials/colors used match what was outlined in your contract. Don’t hesitate to ask questions or request corrections if something doesn’t look right. It can also help to have a trusted third party, like a home inspector or insurance adjuster, take a look for an unbiased assessment.
Report suspected fraud
If you suspect a contractor is being dishonest or has committed fraud, it’s important to report it right away. Reporting suspicious activity not only helps protect your own finances, but also your neighbors and community from being involved in similar scams.
To report a fraudulent contractor, you can contact your state consumer protection office or licensing board; they can investigate the complaint and may take disciplinary action. You can also contact your insurance provider and/or your bank or credit card company (if you paid electronically). In some cases, local law enforcement may be an appropriate contact.
Storm recovery is a team effort, and Alfa® is here to help
Experiencing the stress and heartbreak of weather damage is enough to handle; you shouldn’t have to navigate the recovery process on your own. Alfa Insurance team members are here to support you every step of the way, guide you through the claims process, and connect you with trusted resources. Because when the storm clears, what matters most is getting you and your loved ones back to comfort, safety, and peace of mind.
If your home or property has been impacted by a storm, your local Alfa agent is ready to help you take the next step toward safe, smart repairs.
All coverages are subject to deductibles and policy limits. This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the deductibles, coverages, conditions and exclusions. Your Alfa® agent can explain the policy and benefits and answer any questions you may have before you buy.