The Roof, The Roof Is On Fire | Roofing Scams, Insurance Claims & Damage | O.C. Melton | Ep. 20

Name: The Roof, The Roof Is On Fire | Roofing Scams, Insurance Claims & Damage | O.C. Melton | Ep. 20
Uploaded: 2026-07-13T00:00:00.000Z
Description: Most homeowners don't think about their roof until it's leaking. By then, it's usually too late. In this episode of the Vilardi Digital Podcast, Justin sits down with O.C. Melton

Most homeowners don't think about their roof until it's leaking. By then, it's usually too late. In this episode of the Vilardi Digital Podcast, Justin sits down with O.C. Melton, co-owner of American Family Roofing in Dunedin, Florida. Before starting a roofing company with his brothers, O.C. spent years as an independent insurance adjuster, giving him a unique perspective from both sides of the roofing and insurance industry. This isn't a sales pitch for a roofing company. It's a practical conversation every Florida homeowner should hear. We discuss roofing fraud, unlicensed contractors, insurance claims, storm damage, roof inspections, permits, supplements, and the biggest mistakes homeowners make after a hurricane or major storm. If you've ever wondered... • Should I file an insurance claim after a storm? • Will my premiums automatically go up? • How do I know if my roofer is legitimate? • What should a roof estimate actually include? • Do I really need permits? • What happens if hidden damage is found after repairs begin? ...this episode answers those questions and a whole lot more. Whether you're buying your first home, replacing an aging roof, or simply trying to protect one of your biggest investments, this conversation will help you make smarter decisions before the next storm rolls through Florida. WATCH & LISTEN Spotify: https://open.spotify.com/show/0LGmCu2... Apple Podcasts: https://podcasts.apple.com/us/podcast... GUEST American Family Roofing Website: https://theamericanfamilyroofing.com/ Facebook: https://www.facebook.com/profile.php?... Instagram: / amfamroofing VILARDI DIGITAL Website: https://vilardidigital.com Book a Strategy Call: https://calendly.com/vilardidigital/m... SPONSORS Hop WTR https://click-myl.ink/2p8m9zyh Use code HOPCAST for $10 OFF. Magic Mind https://www.magicmind.com/MAGICMODE20 Use code MAGICMODE20 for 20% off one-time purchases and 48% off subscriptions. CHAPTERS 00:00 Roofing Fraud Is a Bigger Problem Than You Think 00:53 Meet O.C. Melton & American Family Roofing 02:01 Why Three Brothers Started a Roofing Company 05:11 Dividing the Business Between Three Brothers 07:48 Insurance Adjuster vs Roofing Contractor 08:56 Do Insurance Claims Really Raise Your Rates? 11:34 What Insurance Companies Actually Pay For 14:16 Roofer vs Insurance Adjuster: Who's Right? 17:47 The Real F-Word: Fraud 20:05 Roofing 101: How a Roof Actually Works 25:29 The Truth About Underlayment & Fortified Roofs 28:00 The First Three Things to Do After a Storm 30:17 What Insurance Doesn't Cover 32:23 Why You Must Actually Complete the Repairs 33:10 Why Permits Matter 34:54 One Thing Every Florida Homeowner Should Do Today 35:25 How to Contact American Family Roofing If this episode helped you, send it to a homeowner before the next storm does. And if you're thinking about starting your own podcast or building your brand, your story is already content. Let's build the show around it.

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