BEWARE OF
STORM CHASERS
After every hurricane and major storm, out-of-state contractors flood Florida neighborhoods promising fast, cheap repairs. Many are unlicensed, uninsured, and gone before the problems start. Here's how to protect yourself.
What Is a Storm Chaser?
Storm chasers are contractors — often from out of state — who follow major weather events looking for quick work. They knock on doors, offer suspiciously low prices, and pressure homeowners to sign contracts immediately. Once paid, they either disappear, do substandard work, or both. Because they're not licensed in Florida, you have no legal recourse when things go wrong.
Red Flags to Watch For
- They knocked on your door unsolicited after a storm
- They pressure you to sign a contract on the spot
- They ask for large cash payments upfront
- They can't provide a Florida contractor license number
- They have out-of-state license plates or no local address
- They offer a price far below every other estimate
- They claim to "work directly with your insurance"
- They can't provide proof of liability insurance and workers' comp
- They have no verifiable local reviews or references
- They want you to sign an Assignment of Benefits (AOB) form
The Assignment of Benefits Trap
One of the most dangerous tactics storm chasers use is asking you to sign an Assignment of Benefits (AOB) form. This document transfers your insurance claim rights to the contractor — meaning they negotiate directly with your insurer, often inflating claims, and you lose control of your own repair. Florida has cracked down on AOB abuse, but it still happens. Never sign an AOB without consulting your insurance company or an attorney.
How to Verify a Florida Contractor
Ask for Their License Number
Any legitimate Florida roofing contractor must hold a state license. Ask for the number before any conversation about price.
Look Them Up on DBPR
Visit myfloridalicense.com and search the contractor's name or license number. You'll see their license status, expiration date, and any disciplinary actions.
Verify Insurance
Ask for a Certificate of Insurance showing general liability and workers' compensation. Call the insurance company to confirm it's current — certificates can be forged.
Check Local Reviews
Search Google, BBB, and Angi for reviews. A legitimate local contractor has a verifiable review history. Be skeptical of contractors with no reviews or only recent ones.
Get Multiple Written Estimates
Never accept the first offer, especially after a storm. Get at least three written estimates from licensed contractors before deciding.
Why Hiring Local Matters
Accountability
A local contractor has a reputation to protect in your community. They can't disappear after the job.
Florida Code Knowledge
Florida has some of the strictest building codes in the country. Local contractors know them. Out-of-state crews often don't.
Permit Pulling
Roof replacements in Florida require permits. A licensed local contractor pulls permits. Storm chasers typically skip this step — leaving you liable.
Warranty Backing
Manufacturer warranties require installation by a licensed contractor. Unlicensed work voids your material warranty.
Insurance Claim Support
A local contractor who knows Florida insurance processes can help you navigate your claim correctly — without signing away your rights.