Shocking Truth: If It Sounds Too Good to Be True…. It Just Might Be! – 2020

The Shocking Truth About “Free Roof” Scams

Protecting yourself from crooked contractors starts with recognizing the classic post-storm scam: a truck rolls up saying “Free Roof!” or “We’ll pay your deductible so it won’t cost you a penny.” It sounds amazing — almost too good to be true — until it’s insurance fraud. Both the contractor and homeowner can face legal consequences. Protecting yourself from sleazy contractors means remembering: if it sounds too good to be true, it probably is. That’s the pattern with anything that feels too good to be true in this industry.

Scammers exaggerate damage, use fear tactics, push unnecessary work, take your money, and vanish. Protecting yourself from fraudulent contractors means never signing anything without verifying who they are.

Red Flags When Someone Knocks on Your Door

If an offer or pitch feels too good to be true, that’s your first red flag.:

• Are they a storm chaser? Where are they actually located? Here today, gone tomorrow leaves you vulnerable.
• How long have they been in business? 90–97% of contractors close before 10 years. Don’t fall for “combined experience” — some with “23 years combined” have only been open 9 months.
• How many times have they changed their name? Even small changes can hide past problems or bad reputations.
• Do they have a website or social media? No online footprint means no reviews, no proof they exist, no accountability.
• Are they BBB accredited? Accreditation means they voluntarily follow ethical standards and pass strict vetting.

Protecting yourself from sleazy contractors means verifying Workers’ Comp, liability insurance, certifications, training, and references. Don’t be afraid to dig — your home is on the line when something feels too good to be true.

UPPA Violations — Contractors Acting Like Adjusters

Protecting yourself from crooked contractors is critical. In Ohio, the Unlicensed Practice of Public Adjusting (UPPA) law prohibits anyone but a licensed adjuster from negotiating or representing you in a claim.

If a contractor says they’ll “negotiate your claim,” “represent you,” or calls themselves an “Insurance Claims Specialist” who will “handle your claim from start to finish,” they’re breaking the law — and risking your settlement.

Protecting yourself from fraudulent contractors means working with legit pros who stick to repairs — not ones pretending to be your adjuster. And if any of it sounds too good to be true, walk away. It’s illegal, it’s risky, and it could cost you far more than you realize.

What to Do If You’ve Been Taken Advantage Of

If you feel you’ve been shorted, presented with fraudulent work, or dealt with a contractor who vanished after taking money, protecting yourself means taking action. Contact your local Better Business Bureau and your State’s Department of Insurance. File complaints, share documentation, and get help.

If a deal seems too good to be true, protect yourself first — before protecting your home. When it’s too good to be true, it usually is. You deserve fair treatment, quality work, and a home rebuilt the right way.

Built on Trust Since 1960

Since 1960, Thrush & Son® has remained family-owned and operated, built on craftsmanship, integrity, and long-term relationships. What began more than six decades ago has grown into an award-winning exterior renovation leader trusted by homeowners across the Miami Valley.

Our reputation isn’t accidental — it’s earned through consistent quality, proven systems, and a commitment to doing the job right the first time. For additional ideas on improving exterior performance year-round, explore exterior home upgrades across the Miami Valley.