Roofing Insurance Fraud — How It Works and How to Report It
Roofing insurance fraud costs American families an estimated $400-$700 per year in increased premiums. The FBI estimates non-health insurance fraud totals more than $40 billion annually, and roofing is one of the most common vectors.
Protect Yourself
Frequently Asked Questions
Roofing insurance fraud includes filing inflated or fabricated damage claims, waiving homeowner deductibles (illegal in most states), creating fake damage during inspections, and acting as an unlicensed public adjuster.
Yes, in most states. When a contractor offers to 'cover' your deductible, they're typically inflating the insurance claim by that amount — which is insurance fraud.
This tool provides publicly available licensing information. Absence from a database may not indicate non-compliance. Always verify directly with your state's regulatory agency.