Shingle Chasers

The Real Estate Espresso Podcast

Shingle Chasers

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An In-depth Look at Shingle Chasers

I am excited to delve into today’s topic – “Shingle Chasers”. These are door-to-door sales teams offering roofing services. Although some operate legitimately, others could entrap you in scams. For instance, they might manipulate homeowners into signing rights to claim insurance coverages for perceived storm damage, ultimately making fraudulent claims, which could, if disputed by the insurance company, result in a lawsuit against the contractor. As we dissect this issue, we explore why homeowners are most vulnerable and how best to avoid these scams.

The Tactics of Shingle Chasers

Shingle chasers may offer homeowners zero out-of-pocket cost solutions, ranging from roof replacements financed entirely through insurance to service financing. For homeowners that lack the immediate cash to replace the roof, these attractive financing options may seem to be their saving grace. However, it is important to note that this type of financing is considered subprime lending and could lead to scams such as mechanics liens being placed on the property.

The Dangers of Shingle Chaser Scams

Homeowners are most susceptible to these scams when there is a need for roofing repair or replacement services, particularly following weather events. During such incidents, reputable roofing companies are often overwhelmed with jobs, paving the way for shingle chasers to prey on homeowners’ frustrations. These scams also extend to owners of rental property, especially those who do not reside locally, and hence lack the robust network of legitimate service providers.

Public Perception and Insights from Reddit

Several Reddit threads elaborate on the issue of shingle chasing. Many respondents recount their experiences, some successful, others not so much. One noteworthy input was from an insurance agent who advised caution, especially as many insurance companies have changed their policies to payout roof replacements based on actual cash value and a depreciated scale, in response to the rampant scams instigated by shingle chasers.

Shingle Chaser Scams Checklist
1. Ensure no one goes on your roof unsupervised. They might fabricate damage.
2. Be cautious if a shingle chaser wants you to sign over authority for the claim to their company.
3. Always contact your insurance agent before making a claim.
4. Check online reviews of the roofing company.
5. Conduct due diligence before hiring just like you would with a full-time employee.

Stay vigilant. Pay attention to quality over price. Consider Brian Tracey’s advice, “The pain of low quality always outlasts the pleasure of low price.” We must conduct due diligence before hiring tradespeople, just as we would with any full-time hires. As you continue navigating the world of real estate, I wish you an awesome day filled with great happenings. Get out there and make great things happen!

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