roofer came to door after hail storm wanting to inspect / replace roof while working with my insurer. We did this same thing 5 yrs ago.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 6, 2016

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Insurance Question from Morrow, OH

Asked on 05/06/2016

roofer came to door after hail storm wanting to inspect / replace roof while working with my insurer. We did this same thing 5 yrs ago. I don't think we have any significant damage and since we filed a claim and replaced the roof 5 yrs ago I am worried about premiums rising ( same insurer ). Any Advice??

Answer given on October 18, 2016

If there was a hail storm recently, it is up to you, the insured, to either contact a roofer and/or contact your insurance company regarding possible damage to your roof.If an unknown roofer came to your door uninvited, you should refuse to deal with him, even if he claims to have been sent by your insurance company. There are many scams attempted after a large disaster or catastrophe. Don’t fall for any attempt to pressure you into repairs. You might also contact the insurance company to see if the roofer was sent by them. Normally they would contact you first before sending anyone out to review the possible damage.If the hail storm was extensive, it could be considered a “catastrophe claim”. If it is then your rates would not be affected if there is damage to the roof that is covered by the insurance policy. Remember, there is a deductible which will apply to any claim.

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