Home Repair Scams After a Storm and How to Avoid Them

After a hurricane, homeowners are stressed, contractors are scarce, and insurance money is on the way. That mix attracts dishonest operators. Knowing the common tricks keeps you from losing money twice.

Common storm scams

The door knocker

Someone shows up unasked, says they are "working in the neighborhood" and points out damage you cannot see. Some are honest; many are not licensed in Florida, or vanish after the first payment.

Big upfront payment

They ask for a large deposit "to order materials" and never come back, or do a fraction of the work.

Signing away your claim

You are asked to sign a form that gives the contractor control of your insurance claim, sometimes presented as a simple estimate approval. Read everything before you sign, and ask your insurer or an attorney if you are unsure.

Inflated or fake damage

Some crews cause or exaggerate damage to get a bigger claim, which can put you at risk too.

Fake inspectors and officials

People posing as insurance adjusters or government inspectors who ask for payment or personal information.

How to protect yourself

1. Do not rush. Make temporary repairs to stop more damage (like a tarp), keep receipts, and take time to choose the permanent contractor.
2. Verify the license on the state DBPR website. See how to check a Florida contractor license.
3. Get it in writing: scope, materials, price, start and finish dates, warranty.
4. Limit the deposit and pay as work is completed. Use a check or card, not cash.
5. Make sure permits are pulled by the contractor for roofing and structural work.
6. Talk to your insurer first before signing anything about your claim.
7. Get more than one bid when you can.
8. Verify officials: real adjusters and inspectors carry ID. Call the insurer or agency to confirm.

If you think you were scammed

Report it to your local police, the Florida Department of Business and Professional Regulation for licensing issues, and the Florida Attorney General's office. Tell your insurance company too.

Frequently asked questions

Is it OK to hire an out of state contractor after a hurricane?

Only if they hold the required Florida license. Check before you sign.

How much deposit is reasonable?

Keep it modest and tied to materials delivered or work done. Be wary of anyone who wants most of the money before starting.

Hire with confidence: find a verified local pro with reviews and checked licenses, or post your repair job and compare bids.