If you are hiring a roofer in Florida, here is the honest version: the least trustworthy roofers do not sell roofing, they sell an insurance story. If a contractor arrives talking non-stop about your claim, your deductible and how you will pay nothing, slow down. Florida's own consumer guidance says much the same — do not rush, verify licensing and insurance, and do not sign paperwork quickly, especially after a storm.
They push you to file a claim immediately
A contractor whose first instinct is to get a claim filed before anyone has properly assessed the roof is managing their pipeline, not your house. The inspection comes first, and the inspection determines whether there is a claim to make.
They offer to handle or steer your insurance
Be cautious with any contractor who wants control of your claim. Florida has substantially restricted assignment of benefits precisely because of how that arrangement was abused.
They want full payment up front, or cash only
A reasonable deposit is normal. Full payment before work, or a cash-only arrangement, removes every protection you have if the job goes wrong.
They will not prove they are licensed and insured
Ask for the licence number and the certificate of insurance, then verify both. Check that the name on the documents matches the name on the contract — mismatches there are a common pattern.
They offer to waive your deductible
This is not a discount, it is a description of something Florida does not permit. Treat it as a reason to stop.
The storm-chaser pattern
Door-knocking immediately after a storm, out-of-state plates, pressure to sign today, and an offer that expires when they leave your driveway. Legitimate contractors are busy after storms too, but they do not need you to sign before you have read anything.
A safe hiring plan
Get the licence number and verify it. Get the certificate of insurance and check the dates. Get the scope in writing with materials specified. Do not sign anything on the first visit. Ask who is actually doing the work — the company you hire or a subcontractor.
