Roofing Scams in Florida
Florida is one of the most scam-prone states for roofing fraud. With frequent hurricanes and tropical storms, dishonest contractors target homeowners during their most vulnerable moments. Assignment of Benefits (AOB) abuse has been a particularly severe problem, leading to legislative reform in 2019 and 2022.
Common Scams in Florida
Assignment of Benefits Abuse
Contractors pressure homeowners to sign AOB forms, then inflate claims and sue insurance companies. Florida's AOB crisis led to billions in fraudulent claims.
Storm Chaser Solicitation
Out-of-state crews flood Florida after hurricanes, offering free inspections and immediate repairs. Many are unlicensed and disappear after payment.
Deductible Waiver
Contractors offer to 'cover' your deductible — a felony in Florida under § 817.234.
Relevant Florida Laws
- Florida Statute § 489.127 — Unlicensed contracting is a felony for contracts over $1,000
- Florida Statute § 817.234 — Insurance fraud including deductible waivers is a third-degree felony
- Florida Statute § 627.7152 — AOB reform limiting contractor litigation rights
Recent Enforcement
- 2023: DBPR revoked 47 contractor licenses for fraud-related violations
- 2022: Statewide operation 'Safe Roof' resulted in 23 arrests for post-hurricane fraud
Where to Report
Florida DBPR
Department of Business and Professional Regulation — handles contractor licensing complaints
Florida CFO Fraud Hotline
Report insurance fraud to the Chief Financial Officer
Verify a Florida Contractor
Check if your roofer is properly licensed in Florida.
Check Florida License Requirements →Protect Yourself
Frequently Asked Questions
Yes. Under Florida Statute § 817.234, offering to waive, rebate, or absorb an insurance deductible is insurance fraud — a third-degree felony punishable by up to 5 years in prison.
File a complaint with DBPR for licensing violations and the CFO Fraud Hotline (800-378-0445) for 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.