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Have you been thinking about switching your homeowners insurance policy to save some money? Before you switch, make sure you do a little homework. Otherwise, instead of saving money, you might end up costing yourself—a lot. Be roof aware before you shop around.

After a hailstorm, the roofers come out looking for business. You’ll see many knocking on doors and leaving flyers or offering to check the roof for potential damage. But beware—some roofers, whether they’re scammers or simply inexperienced, can cause damage to your roof that your insurance company won’t pay to repair.