When a Contractor Comes to Your Door

As you’ve likely seen in the news, roofing contractors are increasingly soliciting business by going door-to-door through neighborhoods or with promotional mailings. If an offer by a roofing company sounds "too good to be true," then it probably is. Just a reminder... please be sure to read the fine print before you sign on the dotted line! An Assignment of Benefits Agreement is sometimes provided by roofing contractors.

Before signing any document that includes Assignment of Benefits language, please read carefully and consider speaking with your insurance agent. Also referred to as an "AOB," the agreement authorizes the roofing contractor to act on your behalf and may allow the roofing contractor to receive funds directly from your insurance company. By signing an Assignment of Benefits document, you may be signing away your rights.


The National Insurance Crime Bureau (NICB) offers these recommendations:

  • Work only with licensed and insured contractors.
  • Ask for references, and check them out.
  • Get more than one estimate.
  • Don't be pushed into signing a contract right away.
  • Get everything in writing.
  • Total cost
  • Detailed list of what the project includes
  • Time schedule, guarantees, and/or warranties provided
  • Payment schedule
  • Never, ever sign a contract that includes blanks.
  • Read carefully before signing any document, especially when it may involve turning over your rights to someone else.


  • Until the work is completed to your satisfaction, do not pay a contractor in full or sign a completion certificate.
  • A catastrophe such as a hurricane or other natural disaster greatly increases the opportunity for contractor fraud. Remember, insurance fraud is a felony.
  • Insurance coverage may be rendered void if there is misrepresentation by an insured.

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