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Question DetailsAsked on 6/26/2012

nasco roofing rep.stopped at our house because she saw heaved shingles,wants us to make ins.claim for wind&hail damage.Is this ligit?

the rep. got on our roof and said she saw damage from wind & hail- we haven't had a storm lately and we did not call someone to come out. Will this affect our ins.if we do go ahead with this. Just doesn't sound right to me. Is this a a reputable thing to do?

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10 Answers


This kind of activity is known as "Storm chasing" in the roofing and siding industry. You may have heard of an ambulance chaser? Same thing, different industry. I can't speak on this company in particular, but most door to door salesmen watch out! Infact in the Illinois Consumer Rights Statement, it clearly states to watch out for door to door salesmen! This is documentation from the Attorney General warning the residents of Illinois to watch out for door to door salesmen.

I hope you didn't sign anything yet. If you did, you just signed away your power of attorney to negotiate on your own behalf with your insurance company. Now they have the power to do what ever the insurance company and they scheme needs to be done. I say scheme because often these storm chasers have adjusters in their pockets.

They promise the free roof, but there is no such thing as free. Recently I was hired to perform an inspection on a roof less than 6 months old which was already beginning to lose shingles and leaking badly. After getting a history on the property, I came to find out a storm chaser did the same and promised them a free roof. The insurance company approved the roof. The roofing company did not do all that was on the insurance estimate and pockets several thousand dollars for extras they didn't do. What they did do, they did all wrong. The roof needs to be repalced at a cost of over $13,000.00. So much for a free roof!

I could go on and on about the pit-falls of dealing with many "insurance restoration specialists", ahem storm chasers, and no doubt I am going to catch alot of guff from some of them on this forum. 10 years ago this was just an emerging trend, now this is quickly becoming the standard in the industry and it sickens me! It makes me want to find a new career after I have dedicated 14 years to roofing, that's how sick storm chasers make me feel!

I'm not saying not to hire this company. That is not to say that all storm chasers are bad, I am sure there are a few good ones. I know nothing about this company, nor your roof. I am saying proceed with extreme caution!

Read the information provided in my link to learn about hail damage.


Answered 8 years ago by ReliableAmericanRoof


The following is a blog post about storm chasers I wrote but never posted on my website... I wrote this in about 30 minutes, it's still a rough draft and not active on my website yet.

Wind and Hail Restoration, the Reliable American way…

There is no doubt that there are numerous “insurance restoration specialists” offering roofing and gutter services in the greater Chicagoland area, but what makes Reliable American Roofing different? What does an insurance restoration specialist really mean, and what services do they provide?

Chances are if you are reading this, you may have had some storm damage on your roof. Also, chances are if you are reading this you may be a little bit confused about what to do or whom to hire. I am writing this article to not only promote our roofing services, but also to help educate the general public on what goes on behind the scenes in the Insurance Restoration side of contracting, and what makes Reliable American Roofing stand out from the crowd.

This article is a supplemental follow up to the article “The truth about hail damage, and your roof” written after a severe hail storm hit the Park Ridge and Desplains area back in 2010. There was such a great response from our customers (as well as many many people nation-wide) that I felt the article deserved more. So here it is.

First off, let me explain the “normal” process by which the majority of insurance specialists operate. Perhaps someone rings your door bell or you get a letter in the mail. You are somehow informed that you might have hail damage and that the insurance company will give you a free roof. They may even be offering you $500 to leave a sign in your yard. You are asked to sign a contingency agreement so that the restoration company negotiate with the insurance company. They may even file the insurance claim on your behalf. The insurance company may even pay them directly so you don’t have to worry about it.

Sounds great huh? Well when you sign that contingency agreement you are signing away your power of attorney. You are giving up many of your rights to choose what you want to do on your own property and who you want to do it. If after you get approved by the insurance company for a claim, you are forced by this agreement to hiring this contractor or pay hefty penalties, sometimes up to 33% of the insurance claim. Reliable American does not use these “contingency” agreements with our customers, except under extreme situations.

Let me also bust the fallacy of the “Free roof” myth. Your mother may have told you that there is no such thing as a free lunch and that could not be more the case here. There is no such thing as a free roof. Why? Simple, the insurance company is responsible to pay for like replacement and/or code upgrades. This is determined by how your policy is written. First off, ask your self if you want a “minimum” code roof? Simply put a Reliable American roofing system exceeds minimum code time and time again.

We do what is right for the building, not simply what the insurance company is willing to pay for. Our reputation is on the line. We were here before the storm and will be here after the storm and stand behind out work. We have to do what is right! Simply put I can not understand how some other roofing companies can PROPERLY put install a quality roofing system on the money offered by most insurance companies without cheating. You absolutely should expect to pay some money out of your pocket for a properly installed roofing system.

What about the $500 signage bonus? Well this is a clever, and cut-throat, tactic used by unscrupulous contractors to get around the law against paying your deductible, which by the way may be illegal. I am not a lawyer, and this is not legal advise, but from what I have read if I were a lawyer I would advise against dancing on fire. Then again I am not a lawyer and could be wrong, so you most definitely should seek your own legal advise before you tempt the fates and play with fire.

Just what is a contingency agreement and how are you signing away your power of attorney? Well read the fine print before you sign. This is true of anything you sign, even our contracts, don’t trust even us until we earn your trust. If you read the fine print in many of these agreements you are hiring that company to do the work for you at that moment assuming insurance company approval. Sounds fine and dandy if it’s a reputable company. There really isn’t anything wrong with that, after all the company has to protect themselves and their investment in time. However there are far too often blank lines especially when it comes to scope of work. You are essentially often writing a blank check allowing the company to literally do what ever they want to do to your home, with insurance company approval. Do you want to give that kind of power to someone you just met?!

Should someone other than you really be filing the insurance claim on your house? Well the short answer is no. You may think that the restoration company is doing you a favor. They may have promised that they are looking out for your behalf, and maybe they are. However you should really not file a claim unless you are sure you have damage. Did you know when you file a claim, approved or denied, you are entered into a national database and with numerous complaints, this will affect your coverage? So if someone comes to your door saying they’ll take care of it, but three years prior someone else made the same offer but in both cases neither actually looked for damage, and in both cases you were declined… Well there is a point at which you will be asked to find another insurance company for your property. Only file a claim if you know you have damage. If you are unsure ask a reputable 3rd party to inspect for you before you file that claim!

Now what’s this about the insurance company paying the contractor directly? Now, what power do you have to ensure that the work was done properly and complete. Will they return to finish even after being paid. You can find hundreds of articles written by local and national media about “Storm Chasers” who take insurance pay outs and disappear. While it is not unusual to be asked for a down payment, we ask on nearly every roofing project, you really should control your purse strings and be the one writing the check.

So what makes Reliable American different? What is our process, our way of handling storm damage, and helping out our customers? We are more than happy to help, we just do it in a different way that most others, that’s all. Below is the Reliable American Roofing standard operating procedures for managing an insurance claim for your roof or gutters.

    If you “think” you have hail damage we can perform a paid inspection of your property. If you “know” you have hail damage, meaning the insurance company has already approved you, then we will be happy to meet with you at no cost and explain your options for repair.

    Do not show us or anyone your insurance estimate until after we have discussed your options and our recommend plan of attack. Remember we want to do what is right, not just what the insurance company is willing to offer.

    We will provide you with a detailed proposal with scope of work explaining to you upfront what should be done. This is of paramount importance.

    After you have chosen to hire Reliable American to replace your roof, we will (with a signed contract and downpayment from you) review the insurance company estimate. We will look for missed line items, there are always a few. We will look for mis-measurements, hey we are all human. We will also be willing to discuss these with the insurance company. This is what we call value added services, which means we go above and beyond to ensure the insurance company is properly compensating you for what is right.

    Remember, we are not the cheapest, nor do we try to be. So be prepared to invest some money out of your pocket into various upgrades, which should be minimum code anyways, but aren’t yet.
As always let the buyer beware. In various other articles that I have written such as “Hire the Right Contractor!” I recommend always checking to ensure the contractor you are hiring is legitimate and trust worthy. In the aforementioned article I mention checking with the BBB, but please don’t pay any attention to the rating system. If you are checking the BBB strictly look at their complaint record. One or two would not be uncommon in a 3 year period of time, again we are all human, but 4, 5, 10 watch out!

Also check with the Illinois Department of Financial and Professional Regulation to ensure that the contractor is a State of Illinois licensed roofing contractor. Our license number is 104-014883. While I recommend this to every customer, after a hail event this becomes even more important because out of state contractors flock the area to cash in quick, and then skip town when the work is done. They are breaking the law!

Yep, we do things differently, but I really think our customers like the way we do business. We don’t simply take the ez road for some quick profit. We don’t do what everyone else does. In fact our way of doing things may even be a little harder on us, but it’s how I would want to be treated if I were in your shoes.

Written by Thomas Kral, the founder of Reliable American, Inc., February 9, 2012


Answered 8 years ago by ReliableAmericanRoof


Call your insurance agent and ask for an adjuster to inspect your roof for damage. If they say yep you get new roof, start the search for a roofing company using advise available in previous answers. If the insurance adjuster says "no damage" or partiial damage feel free to call a new roofing company out to give you more amunition in your quest to make sure your roof is A OK.

Jim Casper

Gutter & Gutter Cover Contractor

ps Asking for an Adjuster to inspect your home should not affect your rates.

Source: http://www./

Answered 8 years ago by jccasper


Here's a recent post by the Angie's List online content team that covers this very topic:

Answered 8 years ago by JP



There are 2 primary databases insurance companies use to gather details regarding your history of insurance claims. They are similar to credit reporting agencies, but they list all activity in your past related to insurance claims and inquiries. These are the Comprehensive Loss Underwriting Exchange (CLUE) and A-Plus. They report any home insurance claims you have ever made for property loss or damage. They also report any inquiries you made, even if they did not result in a claim

The perfect customer for an insurance company is a person that pays their bill on time and never makes a claim. Each time you successfully make a claim or even ask about it, it’s considered a black mark on your record. The more of these you have, the higher the risk for the insurance company. They really don’t want customers that are likely to file claims – this costs money.

above information provided by roofer911

So... No, 1 claim won't affect your rates but multiple claims will certainly affect yoru rates. Higher risk = higher reward. That's business 101 and insurance companies are very good at operating their businesses to minimize their own risk.

This is why I say think twice before filing a claim. know for sure you have hail damage before you file a claim. The storm chaser will say no matter what you have hail damage, and he'll go to your neighbors and say the same. In my area you can't see minor hail damage from the ground so unless they get on the roof you KNOW they are lying. Just because they get on the roof also doesn't mean they are telling the truth. They should be able to provide photographs. Ask them to circle all the hail damage with chalk before taking the photo. Ask for up close and zoomed back photos.


Answered 8 years ago by ReliableAmericanRoof


I have to say recommending that an Angie's List member not file an insurance claim because you will be less attractive to insurance companies is putting the cart in front of the horse.

I checked out nasco roofing with the BBB and they had an A- report. Calling them a storm chaser without qualifing your charge is bogus. If a neighbor has hail damage it follows a reasonable contractor will guess the neighbors have or could have damage. FROM THE GROUND. Calling others unreputable is not establishing one's own creditability.

In a word tell homeowner to get second opinion and all the caulk and pictures are not bad ideas but methinks you need to shorten your adivice.

Jim Casper

Gutter Cover & Gutter Contractor

Source: http://www.heartlandmastershield

Answered 8 years ago by jccasper


That is actually NOT what I said. What I did say was be SURE you have damage before filing a claim. Hire an independant party to inspect on your behalf to be SURE. Don't file frivilous claims because maybe you have damage or some storm chaser tells you you have damage. Just saying be SURE, that's all.

Answered 8 years ago by ReliableAmericanRoof


Our certified roof inspection company that also employees certified roofers so we can make emergency repairs ( like a temporary tarp to stop weather from entering your home until proper repairs can be done ) Our roof inspection company can tell you how many square you roof is, they can write up a proposal ( this way all roofers are bidding on the same roof and there is a huge difference because if they make up their own proposal God knows what you will end up with) on what is best for your roof replacement. A roofer will put on the easiest roof for him and not necessarily the best roof for you. Our roof inspector will give you a base price the roof should cost, how to make sure you hire a real roofing company that is fully insured and check out your roof when the job is complete to be sure it was installed correctly and to spec before last payment is paid. Remember above all... is a good roof.

Answered 7 years ago by RooferRick


omg...the posts on thisd question are amazingly off and misinforming....1st, if you dont have a valid date of loss/hail or strom event, when you call in the ins co WILL NOT come out or allow you to make the claim. @nd, not every storm restoration company is a
"Storm chaser" or underhanded, do your research on the company and find out who they are and what they are about through there references and credentials. 3rd, ANY roofing company that tells you they cant replace your roof with a quality job using the insurance proceeds is uneducated in insurance claims, how to read an estimate(there is holdback money they issue AFTER the job is completed to their satisfaction and to code)...any contractor who tells you that you will need to contribute funds outside of your deductible is a fool and should just stick to retail roofing bids. $th, ANY roofer can bid a roof and give yoyu an estimate, if you're filing an insurance claim, you need to go with an insurance restoration expert...someone who is trained and versed in identifying and judging the severity of damage...Ins co's are often NOT on your side wqhen it comes to these claims, hiring a good company versed in ins restoration practices to meet with your adjustor and inspect the roof with him and advocate on your behalf is almost always a must and in your best interest.....again, there are tons of roofing companies out's real simple to get a ladder and atape measure and measure out a roof and give you an takes some education and training in insurance restoration practices to get you eveything due you approved by your ins co...And I CANNOT stress this enough...ANY roofer who says he cannot replace a roof for the ins co's proceeds you should run away from as fast as possible....they likely dont understand the insurance process nor how to read an estimate properly...

Answered 7 years ago by cewoodford


Don't do it. Just hire a good roofer to make the minor repairs - which are probably less or equal to your deductable anyway. If you make a claim, you will "enjoy" higher rates for YEARS. Don't do it.

Answered 7 years ago by Jefferson

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