In the wake of recent tornadoes and hailstorms causing storm damage in Nashville and surrounding areas like Franklin, many homeowners are beginning the difficult process of repairing their properties. Unfortunately, severe weather often brings out more than just damage—it also attracts scammers and shady contractors looking to take advantage of storm survivors.
Whether you’ve received unexpected calls, texts, or door-to-door offers from “local contractors,” it’s important to know how to spot the red flags of a storm damage repair scam—and how to protect your home, your wallet, and your peace of mind.
Here’s how to recognize the red flags of contractor scams and protect yourself from becoming a victim.
Most Common Types of Storm Damage Repair Scams
According to the Federal Trade Commission (FTC), scammers often target storm survivors when they’re most vulnerable, pressuring them into quick decisions with promises that seem too good to be true.
Here are a few of the most common types of contractor scams:
- “Fly-by-night” Contractors: These individuals show up shortly after a storm, often claiming to be “in the area” or “working on a neighbor’s home.” They may not be licensed or insured, and they often vanish after taking payment without completing any work.
- Upfront Payment Demands: Some fraudsters request full or large upfront payments, sometimes claiming it’s needed to “hold your spot” or order materials. Once they have your money, they disappear.
- High-Pressure Sales Tactics: Scammers might pressure you into signing a contract on the spot, insisting that prices will go up or that your repairs are urgent to scare you into quick decisions.
- No Written Estimates or Contracts: Untrustworthy contractors often refuse to provide written estimates or contracts, making it difficult to hold them accountable for their promises—or their pricing.
How to Protect Yourself from Post-Tornado Contractor Fraud
In the aftermath of a major storm, it’s natural to want to get repairs underway quickly. But rushing into agreements without doing your due diligence can open the door to fraud. Here’s how Nashville and Franklin homeowners can stay vigilant and avoid becoming victims of contractor scams:
Verify Credentials
Always ask for proof of the contractor’s license and liability insurance, and request references from recent jobs. In Tennessee, contractors are required to be licensed for projects over $25,000. You can confirm a license through the Tennessee Department of Commerce and Insurance at https://search.cloud.commerce.tn.gov/. If a contractor can’t provide documentation or dodges questions about licensing, that’s a red flag.
Don’t Rush into the First Offer You Receive
After a major storm, there may be a flurry of contractors soliciting work—but that doesn’t mean all of them are trustworthy or qualified. It’s wise to get at least three written estimates from different contractors. Compare not only the price but also the timeline, scope of work, and warranty offered. A significantly lower bid could signal substandard materials, shortcuts, or an intent to disappear after payment.
Research Reviews and References
Look up the contractor’s reputation online using sources like the Better Business Bureau (BBB), Google, and Angie’s List. Learn about their experience, the quality of the work, and whether the project was completed on time and within budget.
Be Cautious With How and When You Pay
One of the most common scam tactics is demanding large payments upfront—or worse, full payment before any work has started. A reputable contractor will propose a reasonable payment schedule based on milestones or phases of the project. Never hand over full payment before the job is complete and properly inspected.
Stay Alert for Signs Something Isn’t Right
Storm-chasing scammers often use high-pressure tactics to force quick decisions. Be suspicious if someone shows up uninvited, pushes you to sign a contract immediately, or offers a vague, verbal agreement instead of a detailed written estimate. Other warning signs include contractors with no physical business address, unmarked vehicles, or those unwilling to put their promises in writing.
Ultimately, the best protection is to take your time, ask questions, and refuse to be rushed. Legitimate contractors will understand your need to verify credentials and compare options before moving forward.
What to Do if You Suspect a Scam
If you believe you’ve been targeted by a fraudulent contractor, report the incident immediately to:
- Tennessee Division of Consumer Affairs
- Federal Trade Commission (FTC)
- Local police or FEMA’s Disaster Fraud Hotline at 866-720-5721
Hire A Storm Damage Repair Contractor You Can Trust
Recovering from storm damage in Nashville is stressful enough—don’t let contractor scams make it worse. Take your time, verify every contractor, and trust your instincts. When in doubt, ask questions and get everything in writing.
Contractors of Nashville is proud to serve homeowners throughout the Nashville area with reliable, high-quality storm damage repairs. Fully licensed and insured, our team is committed to transparency, craftsmanship, and customer protection. If your home was impacted by recent storms, contact Contractors of Nashville online for a free estimate or call 615.504.8900.
Stay safe, and remember: it’s okay to say no until you’re absolutely sure you’re hiring someone you can trust.
