4 Reasons to Avoid Multiple Quotes for a Storm-Damaged Roof
When your roof takes a beating from a storm in the DMV, your first instinct might be to call round and get quotes from different roofers to compare. After all, that’s how we shop for most things; compare prices, find a deal, and save some cash.
However, the truth is; when insurance is involved, multiple roofing quotes don’t help at all. In fact, they can slow you down and push away good contractors. Here's why:
The insurance company sets the price, not the roofer
Multiple quotes might open the door to scams
Reputable local roofers may walk away
It wastes your time
If you’ve ever wondered why roofers warn against getting multiple quotes after storm damage, these are the reasons.
1. The Insurance Company Sets the Price, Not the Roofer
Once your roofer verifies storm damage and your insurance claim is approved, the insurance company decides what the job should cost. They use a software program that pulls average prices for materials and labor in our area.
That means no matter how many quotes you collect, the “budget” is already set by your insurance company. One roofer may charge a bit more or less, but in the end, you’re not saving money, you’re just adding confusion.
What really matters is finding a roofer in the DMV who understands insurance paperwork, knows how to read claims correctly, and can help supplement your claim if something was left out, like DA Roofers. Read our article on the insurance process to replace a storm-damaged roof to learn more.
2. Multiple Quotes Might Open the Door to Scams
The DMV area sees plenty of out-of-town “storm chasers” after a big hail or windstorm. These roofers knock on doors, promise low prices, or even offer to “cover your deductible.” Sounds like a good offer at first, but it’s actually insurance fraud.
Some shady roofers even create fake damage to get claims approved. Once you’re locked in with them, you’ll probably end up with poor workmanship, cheap materials, and future headaches.
Getting multiple quotes makes you more vulnerable to these scams because you’re sifting through more strangers instead of focusing on one trusted, local roofer.
3. Reputable Local Roofers May Walk Away
Good roofers in the DMV are often very busy after storms. The ones with real insurance experience already deal with a lot: adjusters, endless paperwork, follow-ups, and slow payment from insurance companies.
If they find out you’re just shopping around for quotes, they may decide it’s not worth their time. And can you blame them? Why would a busy roofer spend hours helping you with inspections and insurance forms if they think another company will swoop in for the job?
To keep the best local roofers on your side, show them your claim paperwork and let them walk you through the process. That trust goes a long way.
4. It Wastes Your Time
Think about it: your roof is already damaged. Do you really want to spend weeks calling companies, scheduling inspections, and sitting through multiple sales pitches? The insurance process can take long enough!
Every extra appointment slows down the repair or replacement process, leaving your home exposed to further leaks or damage. Instead, pick a reputable local roofer like DA Roofers, hand them the insurance paperwork, and let them get started.
The faster you move, the sooner your roof is watertight again.
Final Thoughts
Getting multiple quotes makes a lot of sense when you’re paying out of pocket. But for a storm-damaged roof covered by insurance, it only creates delays and risks.
If you live in the DC, Maryland or Virginia area, where wind, hail, and heavy rains are common, the smart move is to partner with one trusted local roofer who understands both the roofing side and the insurance side of the process.
FAQs
1. Do I need multiple quotes for a roof insurance claim?
No, you don't need multiple quotes for your claim as the insurance company sets the pricing for your roof repair or replacement. Getting extra quotes won’t save you money and can even complicate the process. The only time you should do this is if you don’t have a good feeling about your local roofing company.
2. How do insurance companies decide the roof replacement cost?
Yes. Insurance companies use specialized pricing software that reflects average labor and material costs in your area. This ensures the payout matches local market rates.
3. How can I avoid roofing scams after a storm?
The best precaution to avoid being scammed is to avoid storm chasers or out-of-town roofers. It's best to stick with a local roofer who has proper licensing and reviews from DMV homeowners. Also, avoid anyone offering to pay your deductible; that's insurance fraud.
4. What’s the best way to choose a roofer after storm damage?
Look for a local roofing company with insurance claim experience. Ask if they’ve worked with your type of policy before and if they can walk you through the paperwork. If they fit your requirements, you can feel confident in signing with that roofer.