Storm chasers are companies that follow severe weather from area to area, completing home repairs (generally roofs and siding) that are damaged by hail and wind. They collect homeowners’ insurance claim checks in payment for their services, complete the work (often shoddily) before moving on to the next storm ravaged area. Here in Northwest Wisconsin, we are prone to hailstorms, and storm chasers generally quickly follow any such event. They generally go door-to-door in storm damaged areas, and may advertise themselves as insurance recovery experts or specialists in insurance restoration. (The term “Storm Chaser” can also be used to describe a person who follows storms in order to research, photograph, or simply experience a weather phenomenon. This type of storm chaser is entirely different and is not of any concern to a homeowner!)The first step of a storm chaser is to ask the homeowner to sign a contract allowing their company to negotiate with homeowner’s insurance company. By signing these documents, homeowners may be waiving their right to any decision making regarding their repairs or replacement. They also lose control over the insurance settlement, and the entire check of the payment may legally need to be signed over to the storm chaser- regardless of the quality or quantity of work completed. The homeowner may lose some control over materials used, leaving the storm chaser free to cut corners in order to increase their profit. Most importantly, warranty repairs can be very difficult to obtain as most storm chasers leave the area as soon as the storm “plays out.” These companies are generally gone long before warranty issues arise. The company is certainly not going to return from Florida or Ohio to repair a problem with their work. To make matters even more difficult, some storm chasers lease local company names so the appear to be local. Once they complete their work in the area, they leave. The local company is then responsible for the warranty work. Of course, the volume of warranty work is often so great the local company ends up out of business, leaving the homeowner with problemsThe chasers know how the insurance companies work, and based on the square footage of the roof, they can figure out how much it will cost to put on a cheap new roof. The homeowner gets burned because the storm chaser only does the bare minimum to replace the roof, but doesn’t address any other problems, or restore the roof to its original condition. The homeowner is then left with a poorly constructed roof, and the fraudulent company that was once so ready to help has vanished.
So if a storm hits your neighborhood, avoid these types of companies and consider a permanent roof like Gerard’s Stone-Coated Steel Roofing. Our lifetime roofing may qualify you for an insurance discount and keep the storm chasers away the next time a bad hail storm visits your neighborhood!