OCALA, FL (352today.com) – If a roofing contractor knocks on your door with promises of a “free roof” after a storm, think twice before signing anything. According to local insurance expert Angie Lewis, Marion County homeowners are increasingly being targeted by fraudulent roofing schemes that could cost them more than they realize.

Lewis, owner of Angie Lewis State Farm Insurance on Fort King Street in Ocala, says the scams often start with someone claiming your neighbors got new roofs at no cost – and you can too.

“Storm-chasers or fraudulent roofing companies have been going door to door claiming they’ve gotten neighbors’ roofs replaced for free, and they can do the same for you,” says Lewis. “But often, the so-called damage is actually just normal wear and tear, which isn’t covered by Homeowner’s Insurance.”

These scams not only leave homeowners vulnerable to denied claims but can also drive up insurance premiums for the entire area, even for those who never file a claim.

“Insurance is a form of risk-pooling,” Lewis explains. “If there are a lot of fraudulent roof claims in your area, you will likely see an increase in your insurance rates. Your premium is determined by the volume of claims and the overall risk in your community.”

Lewis urges homeowners to be especially cautious following storms and offers clear guidance on what to watch out for when approached by contractors.

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“Never sign any documents you don’t fully understand – especially an Assignment of Benefits,” she says. “That allows a contractor to make decisions about your repairs without your input. And if a roofer says you won’t be responsible for your deductible, that’s a red flag; it’s a violation of Florida law.”

Roofing fraud isn’t the only concern. Lewis also warns drivers to be on alert for auto insurance scams, which are part of the reason Florida drivers pay some of the highest premiums in the country.

“One way drivers can protect themselves is by installing dashboard cameras to document incidents,” Lewis advises. “If a dash cam isn’t an option, always document everything at the scene. Take photos, get witness information, and record what happened.”

The rising cost of auto insurance, particularly in growing areas like Ocala, is partly driven by fraud and legal abuse.

“Florida is the most litigious state in the country,” says Lewis. “About 20% of Florida motorists are uninsured, and our traffic is growing rapidly. On top of that, our state sees a high volume of personal injury claims, which impacts premiums for everyone.”

Lewis recommends that both homeowners and drivers take proactive steps, like reviewing their insurance policies regularly and contacting their agents with any concerns, to avoid falling victim to fraud and to stay protected.

“Don’t wait until you’re in a bad situation to learn about your coverage,” she says. “A quick call to your insurance company can save you a lot of trouble.”

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