How to Spot Storm Chasers, Avoid Insurance Fraud, and Choose the Right Contractor After Storm Damage in Wisconsin
When storms hit Wisconsin, homeowners and business owners often find themselves vulnerable. High winds, hail, and heavy rain can cause major roof damage, siding issues, broken windows, and more. But amidst the rush to repair your property, it’s crucial to stay alert — not just to the damage itself, but also to the dangers posed by opportunistic storm chasers and insurance fraud schemes.
In this guide, we’ll walk you through:
- How to spot a storm chaser.
- Red flags for potential insurance fraud.
- Tips to choose a reliable residential or commercial contractor in Wisconsin.
🌩️ Common Signs of Storm Damage on Homes and Businesses
Residential Storm Damage:
- Missing or damaged shingles
- Dented gutters and downspouts
- Cracked windows or broken seals
- Water leaks inside attics or ceilings
Commercial Storm Damage:
- Flat roof punctures or membrane tears
- Standing water on rooftops
- HVAC or vent damage
- Exterior wall cracks or water intrusion
🕵️♂️ How to Tell if a Contractor is a Storm Chaser
Storm chasers are out-of-state companies that flood affected areas after major weather events, looking to make quick profits. Here’s how to spot them:
- No Local Presence: They can’t provide a local address or references.
- Pressure Tactics: They demand you sign a contract immediately.
- Too Good to Be True Promises: Offers like “free roof” or “we’ll waive your deductible” are illegal in Wisconsin.
- Lack of Insurance and Licensing: They often can’t show proper Wisconsin certifications.
- Rental Trucks and Out-of-State Plates: A dead giveaway.
⚖️ What Insurance Fraud Looks Like After a Storm
Some shady contractors will encourage unethical practices that can put you in serious legal trouble. Watch out for:
- Inflated Damage Claims: Adding unrelated damages to your insurance claim.
- Forging or Altering Documents: Faking inspection reports or estimates.
- “Waiving” Your Deductible: In Wisconsin, waiving deductibles is illegal and considered insurance fraud.
- Submitting Multiple Claims for the Same Damage: Highly illegal and easily traceable.
🛠️ How to Choose a Trustworthy Residential or Commercial Contractor
When storm damage strikes your home or business in Wisconsin, follow these steps:
- Verify Local Credentials: Ensure the contractor is licensed and insured in Wisconsin.
- Get Detailed Estimates: A reputable contractor will give a written, itemized estimate — not a handshake deal.
- Check Online Reviews: Look up their reputation on Google, BBB, and local review sites.
- Ask About Experience with Insurance Claims: Experienced contractors help you without committing fraud.
- Look for Manufacturer Certifications: Certified contractors often offer better warranties and installations.
🏡 Final Tips for Wisconsin Homeowners and Business Owners
Storm season is tough — but you can protect yourself by being smart:
- Inspect your property after every major storm.
- Document damages with photos and videos.
- Contact your insurance company immediately.
- Choose a reputable, local contractor with strong community ties.
Don’t let storm damage turn into a second disaster. Do your homework, trust your instincts, and work with professionals who are accountable to YOU — and your community.
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