RuinShield frequently asked questions
Who do I report an unlicensed or predatory roofer to?
File with your state contractor licensing board, which can open a disciplinary or enforcement action, and add a parallel complaint with your state attorney general or consumer-protection office. If insurance money or an AOB is involved, also notify your insurance carrier's special investigations unit and your state department of insurance.
What evidence should I include in a complaint?
Include the contractor's name, company, phone, address, and any license number; the specific red flags you saw (door-knock solicitation, AOB or ACV-check pressure, upfront-payment demands); copies of any contract, AOB, estimate, receipts, and messages; dated photos; and the storm date. A timestamped RuinShield report documents the license status and Risk Score.
Why does the out-of-state pattern matter in a report?
The classic storm chaser is registered out of state with no local presence — 7,350 of the 58,724 records in RuinShield's current 12-state roster carry an out-of-state address. Naming both the state where the work happened and the state of registration helps the board route the matter and connect it to other complaints in the same storm region.
Can RuinShield file the complaint or take enforcement action for me?
No. RuinShield is decision-support, not an enforcement agency. We normalize public licensing and board disciplinary records and compute a heuristic Risk Score, but we do not investigate, sanction, file complaints, or pull live insurance. Confirm the current complaint procedure directly with your state board and consumer-protection office.