When a storm damages your roof, you will likely want to fix it as quickly as possible. However, to ensure proper repairs, homeowners should take all of the following steps:

• Call your insurance company to understand exactly what damage is covered.

• Obtain at least three estimates in writing and ensure each contractor provides references.

After checking references, choose a contractor who is an established member of the community, is insured or bonded, and has a proven track record.

Request a contract in writing and ensure it is completely filled out before signing. Ensure the following information is included:

• Cost;

• Description of work to be completed;

• Time schedule;

• Guarantees; and

• Payments schedule.

Do not make the final payment until all work is completed and to satisfaction.

Fraudulent roofers look just like the real thing but often offer extremely cheap repairs or quick turnarounds. Remember, if it sounds too good to be true, it probably is. A contractor may be fraudster if he/she:

• Is going door to door offering services;
• Offers a particularly good deal or claims to have leftover materials from another job;
• Only provides out-of-state references;
• Requires a high, upfront, or all cash payment (especially for materials);
• Requests a signature on an incomplete or blank contract; or
• Is uninsured or unbonded.