Written by Corey A. Thrush
Is It Too Good to be True? Protecting Yourself From Fraudulent Contractors in 2020
Let’s face facts. After disaster strikes, everyone wants answers that feel too good to be true — and all too often, shady contractors know it. When promises sound too good to be true, that’s when you need to slow down and think clearly. It’s been several months — actually well close to a year — since a line of devastating tornadoes tore through the Miami Valley and changed lives forever.
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.
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.
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 five decades ago has grown into an award-winning exterior renovation leader trusted by homeowners across the Miami Valley.
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