Hiring a roofer · NC homeowner checklist
Roofing scammers follow the storms. Here is a checklist built on the NC Department of Insurance’s own anti-scam tips, plus the cancellation rights North Carolina law gives you when you sign at home. Check every roofer you talk to, including us.
(704) 280-5996Monday–Friday, 8:00 AM–5:00 PM · Campbells Precision Roofing · Denver, NC · Founded 2016
Before you read
After hail, wind, or an ice storm, homeowners across Lincoln, Gaston, Mecklenburg, Catawba, Iredell, and Cleveland counties hear from roofers they’ve never met. Most are honest. Some aren’t. In February 2026, North Carolina’s Insurance Commissioner warned that “Often, a scammer will take a homeowner’s money, including insurance money, but never deliver on the services they promised.”
This page collects the Department of Insurance’s advice and the North Carolina rules that protect you, so you can check any roofer before you sign anything.
Not legal or insurance advice. This page is general education from a licensed roofing contractor. Only your insurance company decides coverage. Ask your insurance agent about your own policy, and talk to a North Carolina attorney about a contract.
NC Department of Insurance · February 4, 2026
The Commissioner’s advice starts with a warning sign:
Here’s a red flag: An unsolicited salesperson offering to go up on your roof to inspect it for storm damage. Some scammers will climb up on the roof alone and create damage where none existed before.
NC Department of Insurance, “Don’t become a victim twice; keep roofing scammers at bay” (February 4, 2026)
Then come the tips to follow before you contract for roofing work, quoted word for word:
- Beware of contractor or roofing representatives going door-to-door after a disaster.
- Call your insurance agent or insurance company before signing a contract or paying for repairs.
- Work with only licensed and insured contractors.
- Get more than one estimate. Don’t be pushed into signing a contract right away.
- Get everything in writing. The cost and the type of work to be done, time schedule, guarantees, payment schedule and other expectations should be detailed.
- Require references and check them out.
- Check out roofing companies through the Better Business Bureau or through online clearinghouses. Don’t be afraid to Google the business.
- Ask to see the salesperson’s driver’s license. Write down the license number. Also take down his or her license plate number.
- Never sign a contract with blanks. Fraudulent contractors may enter unacceptable terms later.
- Never pay a contractor in full or sign a completion certificate until the work is finished.
NC Department of Insurance, “Don’t become a victim twice; keep roofing scammers at bay” (February 4, 2026)
The same list also says not to let a contractor work directly with your insurance company unless your agent agrees. Read the full post on the NC Department of Insurance website.
The Department’s windstorm and hail guidance adds three steps that protect you no matter which roofer you hire:
- Make a list of the damages and take clear pictures before you make any temporary repairs.
- Do not make permanent repairs until your insurance company has had a chance to inspect the damage and you have agreed on the cost of the repairs.
- Keep receipts.
NC Department of Insurance, Windstorm and Hail
Checklist
Run every roofer through these questions before you sign. A good contractor will be glad you asked.
N.C. Gen. Stat. § 14-401.13
When a roofer personally sells you a contract somewhere other than their place of business, such as your kitchen table, North Carolina’s off-premises sales law generally gives you three business days to cancel. The seller must give you a copy of the contract with this statement in boldface type:
You, the buyer, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right.
N.C. Gen. Stat. § 14-401.13(a)
Questions about your rights under a specific contract are legal questions. Talk to a North Carolina attorney.
Why it matters
In December 2025, the NC Department of Insurance announced an arrest from a Wake County “bait house” sting, where investigators caught roofing company employees allegedly damaging shingles on a home and then claiming the damage came from wind and hail. In August 2026, the Department announced guilty pleas in the case, with court-ordered restitution and a ban on working in the roofing industry during probation for one defendant.
That is exactly the kind of scam the Commissioner’s red flag describes, and why it pays to know who is on your roof.
Get help
Check us, too
We’d rather you check us than take our word for it. Here is what you can verify:
We are a roofing contractor, not an insurance company or a public adjuster. After a storm, we give you clear photos and notes on what we find. You stay in charge of your claim and your conversations with your insurance company. Read more about us, see our reviews, or learn how our storm damage inspections work.
This page is general education, not legal or insurance advice. NC Department of Insurance tips are quoted from ncdoi.gov; statute text is from the North Carolina General Statutes. Campbell's Precision Roofing LLC · NC Licensed Contractor #101889 · GAF Master Elite®.
FAQ
Ask for the license number and check it with the board that issued it. North Carolina requires a general contractor license for projects costing $40,000 or more (N.C. Gen. Stat. § 87-1). Also ask for a certificate of insurance before any work starts. Our NC license number is 101889.
Be careful. The NC Department of Insurance says, “Beware of contractor or roofing representatives going door-to-door after a disaster.” It also calls an unsolicited offer to go up on your roof and inspect it for storm damage a red flag, because some scammers create damage. Get more than one estimate, and don’t be rushed into signing.
No. The NC Department of Insurance advises, “Never pay a contractor in full or sign a completion certificate until the work is finished.” Get the payment schedule in writing before you sign, so you know what is due and when.
Everything, in writing: the cost, the type of work, the time schedule, the guarantees, and the payment schedule. The NC Department of Insurance says to never sign a contract with blanks, because fraudulent contractors may fill in unacceptable terms later. Ask whether the old roof will be torn off down to the deck.
Generally, yes. When a roofer sells you a contract away from their place of business, N.C. Gen. Stat. § 14-401.13 gives you until midnight of the third business day to cancel, and Saturdays count as business days. The law has exceptions, so talk to a North Carolina attorney about your contract.
North Carolina law makes residential roofing contracts subject to a five-business-day cancellation period after an insurance claim denial. During that time the roofer may not begin work or collect any payment, except for emergency services you acknowledge in writing. See our guide to the five-business-day rule.
You. The NC Department of Insurance advises calling your agent or insurance company before signing a contract, and not letting a contractor work directly with your insurance company unless your agent agrees. We give you clear photos and notes on what we find. You stay in charge of your claim and your conversations with your insurance company.
Call the NC Department of Insurance Criminal Investigations Division at 919-807-6840, or toll-free from anywhere in North Carolina at 888-680-7684. For insurance questions, call your agent or a Department consumer specialist at 855-408-1212, weekdays 8 a.m. to 5 p.m.
Start with a free inspection from a licensed, local GAF Master Elite® crew. You’ll get clear photos and a written estimate, with no pressure to sign.
