HAIL DAMAGE: What You Need to Know About a Popular Scam in Florida

If a contractor knocked on your door to tell you that you have hail damage to your roof, you might be inclined to believe them. But this could be a scam.

How hail damage claims work

What Does a Contractor Gain, and What Could You Lose? 

The roof contractor may begin repair / replacement work prior to your claim being settled.  But if an adjuster determines that the condition of your roof is caused by aging / general wear and tear, your homeowners insurance that would not be covered by your insurance policy. If the claim is denied, you will be responsible for payment.

As a reminder, it’s illegal for roofing contractors to solicit customers. Also, review contracts carefully and be aware that some contracts include a “letter of protection” clause. 


  • Call in your claim right away. The sooner the claim is reported to us, the better we can help manage the process and protect your benefits. Only your insurance company can tell you what is covered under your policy.
  • Don’t sign contracts you don’t fully understand. Make sure you read the contract carefully to fully understand the impact on you.
  • Beware of anyone who solicits your business or tries to convince you they can get you something for free. Please vet your contractor carefully and consider reaching out to your agent or insurance company for a contractor referral. 
  • To provide the best service, we have partnered with Hancock Claims Consultants to assist you with finding a contractor to help with repairs of all types.