AAA Schwartz Roofing, Inc.
20037 Kenilworth Blvd, Port Charlotte, Florida 33954
941-627-3869
Owner: Don Schwartz
941-628-1994
facebook.com/schwartzroofing
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AAA Schwartz Roofing, Inc., based in Port Charlotte, Florida, is a third-generation, family-owned roofing contractor that has been operating since 1983. Below is a detailed analysis of the company, focusing on its business practices, reputation, and how it handles insurance claims, particularly in the context of delays in client insurance funding in Florida. The analysis draws on available web sources, customer reviews, and industry context.
Company Overview
Background: Founded in 1984, AAA Schwartz Roofing is a locally owned and operated business in Port Charlotte, Charlotte County, Florida. It is led by Donald M. Schwartz (President) and Sandra L. Schwartz (Vice President). The company specializes in roofing services, including repairs, replacements, and installations for residential and commercial properties. https://www.buildzoom.com/contractor/aaa-schwartz-roofing-inc
https://www.yelp.com/biz/a-a-a-schwartz-roofing-port-charlotte-2
Licensing and Certifications:
The company holds multiple active licenses, including a Certified Roofing Contractor license (CCC025508) issued by the Charlotte County Construction License Board and a similar license (CTCFG-CCC025508) from the Sarasota County Construction License Board. Its BuildZoom score of 112 places it in the top 3% of Florida contractors, indicating strong licensing, insurance, and permit activity.
https://www.buildzoom.com/contractor/aaa-schwartz-roofing-inc
Service Area
Primarily serves Southwest Florida, with a focus on Port Charlotte and surrounding areas. The company is familiar with local building codes and climate challenges, such as hurricanes and high winds.
https://business.charlottecountychamber.org/list/member/aaa-schwartz-roofing-inc-97662
Specializations
Offers services for asphalt shingle, metal, tile, and flat roofing, including tear-offs, replacements, and repairs. It also provides free estimates and warranties on its work.
https://www.angi.com/companylist/us/fl/port-charlotte/aaa-schwartz-roofing-inc-reviews-4792925.htm
https://www.alansroofinginc.com/service-area/port-charlotte-fl/
Reputation and Customer
Customers consistently praise AAA Schwartz Roofing for its professionalism, quality craftsmanship, and thorough cleanup. For example, a review on Angi highlights the company’s attention to detail, noting that no shingles were left in the yard after a job, and the crew was courteous and professional. Another customer appreciated the explanation of shingle color options, which helped with decision-making.
https://www.angi.com/companylist/us/fl/port-charlotte/aaa-schwartz-roofing-inc-reviews-4792925.htm
Reliability
The company is described as dependable, with projects completed on time and within agreed-upon schedules. A BuildZoom review rates them as “excellent,” and Nextdoor users commend their care for landscaping during projects.
https://www.buildzoom.com/contractor/aaa-schwartz-roofing-inc
https://nextdoor.com/pages/a-a-a-schwartz-roofing-port-charlotte-fl-1/
Community Trust
As a local, family-owned business, Schwartz Roofing has built a strong reputation in Port Charlotte. Nextdoor posts describe it as a “legit outfit” compared to fly-by-night contractors, and it has 30 “Faves” on the platform, indicating community support.
https://nextdoor.com/pages/a-a-a-schwartz-roofing-inc-port-charlotte-fl/
Facebook Presence
The company’s Facebook page has 192 likes and emphasizes its 30+ years of local service, with posts encouraging clients to schedule estimates for hurricane season readiness.
https://www.facebook.com/p/AAA-Schwartz-Roofing-Inc-100093982508110/
Negative Feedback
One Angi review criticized the company for poor communication, stating that Schwartz Roofing inspected a roof without meeting the client’s contact and recommended a full replacement instead of a partial repair, which the client perceived as upselling. The reviewer felt the company used tactics similar to those of mechanics pushing unnecessary repairs.
https://www.angi.com/companylist/us/fl/port-charlotte/aaa-schwartz-roofing-inc-reviews-4792925.htm
Payment Disputes
A Nextdoor post recounts a disagreement over payment terms, where the company requested a check be left in an envelope before work began. The client, wary of scams, insisted on paying after completion, which led to tension. This suggests potential friction in upfront payment policies, especially in a region cautious of contractor fraud post-hurricanes.
https://nextdoor.com/pages/a-a-a-schwartz-roofing-inc-port-charlotte-fl/
Responsiveness
A Nextdoor user reported difficulty contacting the company, calling the listed number for a week without a response, which could indicate occasional administrative or staffing challenges.
https://nextdoor.com/pages/a-a-a-schwartz-roofing-port-charlotte-fl-1/
Overall Rating
On Angi, AAA Schwartz Roofing has a 4.8/5 rating based on customer reviews, reflecting strong overall satisfaction despite isolated complaints. The absence of BBB accreditation and limited Yelp reviews make it harder to gauge broader sentiment, but the company’s BuildZoom score and community endorsements suggest a generally positive reputation.
https://www.angi.com/companylist/us/fl/port-charlotte/aaa-schwartz-roofing-inc-reviews-4792925.htm
https://www.yelp.com/biz/a-a-a-schwartz-roofing-port-charlotte-2
Handling Insurance Claims and Delays
Given the context of Florida’s insurance funding delays (as discussed in the previous response), AAA Schwartz Roofing’s approach to insurance claims can be inferred from its business practices and customer feedback:
Experience with Insurance Processes
The company’s long history and familiarity with Port Charlotte’s storm-prone environment suggest it is well-versed in handling insurance-funded roofing projects. Its Facebook post explicitly acknowledges clients “waiting on checks from insurance” and offers to “jump on your roof quickly” to secure properties for hurricane season, indicating proactive engagement with insurance-related delays.
https://www.facebook.com/p/AAA-Schwartz-Roofing-Inc-100093982508110/
- Reviews suggest that Schwartz Roofing works with clients to ensure proper documentation, a critical step in navigating Florida’s strict claims processes post-2021 reforms. For example, their thorough inspections and professional reports likely help meet insurer requirements, reducing delays caused by incomplete submissions.
https://www.angi.com/companylist/us/fl/port-charlotte/aaa-schwartz-roofing-inc-reviews-4792925.htm
Advocacy for Clients
While there is no direct evidence of Schwartz Roofing employing public adjusters or legal teams, its reputation for professionalism implies it assists clients in preparing claims. The company’s free estimates and willingness to discuss project details (e.g., shingle colors, material options) suggest a client-focused approach that likely extends to guiding homeowners through insurance paperwork.
https://www.angi.com/companylist/us/fl/port-charlotte/aaa-schwartz-roofing-inc-reviews-4792925.htm
- In contrast to less reputable contractors, Schwartz Roofing avoids practices associated with fraud, such as door-to-door solicitation or promising “free roofs.” This aligns with Florida’s 2021 laws banning such tactics and likely helps maintain smoother interactions with insurers, minimizing claim disputes.
https://hurricanedamage.com/hurricane-ian-damage/port-charlotte/
Adapting to Delays
The company’s ability to start projects quickly, as noted in its Facebook post, suggests it has strategies to manage cash flow while awaiting insurance payouts. This could involve prioritizing cash jobs or negotiating payment terms with clients to cover initial costs, a common practice among roofers facing delays.
https://www.facebook.com/p/AAA-Schwartz-Roofing-Inc-100093982508110/
- However, the payment dispute on Nextdoor highlights a potential challenge: requesting upfront payments to mitigate financial risk may alienate cautious clients, especially in a region wary of scams post-Hurricane Ian (2022) and Hurricane Milton (2024). This could complicate projects reliant on delayed insurance funds.
https://nextdoor.com/pages/a-a-a-schwartz-roofing-inc-port-charlotte-fl/
https://florinroebig.com/insurance-claims/hurricane/florida/port-charlotte/
Post-Storm Context
Port Charlotte has been heavily impacted by recent hurricanes, including Ian (2022) and Milton (2024), leading to widespread roof damage and insurance claims. Schwartz Roofing’s local presence and experience likely position it to handle the increased demand, but the insurance crisis—marked by insurer insolvencies, stricter claims processes, and litigation—may strain its operations, as seen in the broader industry.
https://florinroebig.com/insurance-claims/hurricane/florida/port-charlotte/
https://hurricanedamage.com/hurricane-ian-damage/port-charlotte/
Strengths
Local Expertise: As a third-generation business, Schwartz Roofing has deep knowledge of Port Charlotte’s climate, building codes, and roofing needs, making it well-suited to address hurricane-related damage.
https://business.charlottecountychamber.org/list/member/aaa-schwartz-roofing-inc-97662
High-Quality Work
Positive reviews emphasize cleanups, professionalism, and durable installations, supported by warranties and partnerships with reputable material suppliers.
https://www.angi.com/companylist/us/fl/port-charlotte/aaa-schwartz-roofing-inc-reviews-4792925.htm
Strong Licensing and Permits
With over 5,309 building permits valued at $14.5 million and a BuildZoom score of 112, the company demonstrates reliability and compliance with regulatory standards.
https://www.buildzoom.com/contractor/aaa-schwartz-roofing-inc
Community Trust
Endorsements on Nextdoor and Facebook reflect a loyal customer base and a reputation for honesty, distinguishing it from fly-by-night contractors.
https://nextdoor.com/pages/a-a-a-schwartz-roofing-inc-port-charlotte-fl/
https://www.facebook.com/p/AAA-Schwartz-Roofing-Inc-100093982508110/
Challenges
Communication Gaps
Complaints about unreturned calls and lack of follow-up suggest potential weaknesses in administrative efficiency, which could frustrate clients during the claims process.
https://nextdoor.com/pages/a-a-a-schwartz-roofing-port-charlotte-fl-1/
Payment Policies
Requesting upfront payments, while a practical response to insurance delays, risks alienating clients in a scam-wary market. This could lead to lost business or disputes.
https://nextdoor.com/pages/a-a-a-schwartz-roofing-inc-port-charlotte-fl/
Perception of Upselling
The Angi review accusing the company of pushing for a full roof replacement instead of a repair highlights a risk of being perceived as prioritizing profit over client needs, which could harm trust, especially in insurance-funded projects.
https://www.angi.com/companylist/us/fl/port-charlotte/aaa-schwartz-roofing-inc-reviews-4792925.htm
Scalability
As a family-owned business, Schwartz Roofing may face capacity constraints during post-hurricane demand surges, potentially exacerbating delays or communication issues.
https://nextdoor.com/pages/a-a-a-schwartz-roofing-port-charlotte-fl-1/
How Schwartz Roofing Addresses Insurance Funding Delays
Based on the broader industry context and specific evidence about Schwartz Roofing:
Proactive Scheduling: The company’s offer to start projects quickly for clients awaiting insurance checks suggests it prioritizes securing roofs to prevent further damage, a critical step in hurricane-prone areas. This aligns with industry recommendations to act swiftly to meet insurer deadlines.
https://www.facebook.com/p/AAA-Schwartz-Roofing-Inc-100093982508110/
https://no1homeroofing.com/roofing-insurance-claims-in-florida-what-you-need-to-know/
Documentation and Inspections
Schwartz Roofing’s thorough inspections and professional reports likely help clients meet the meticulous documentation requirements imposed by insurers, reducing the risk of claim denials or delays.
https://www.angi.com/companylist/us/fl/port-charlotte/aaa-schwartz-roofing-inc-reviews-4792925.htm
Client Education
By explaining material options and project details, the company likely helps clients understand their insurance policies (e.g., Actual Cash Value vs. Replacement Cost Value), setting realistic expectations for funding timelines.
https://www.angi.com/companylist/us/fl/port-charlotte/aaa-schwartz-roofing-inc-reviews-4792925.htm
Financial Flexibility
While the upfront payment request sparked controversy, it reflects a broader industry practice of mitigating financial risk during delays. Schwartz Roofing may need to balance this with more flexible payment options to maintain client trust.
https://nextdoor.com/pages/a-a-a-schwartz-roofing-inc-port-charlotte-fl/
Avoiding Fraud
By maintaining a reputable, licensed operation, the company avoids the fraudulent practices that trigger insurer scrutiny, potentially expediting claim approvals compared to less reputable contractors.
https://hurricanedamage.com/hurricane-ian-damage/port-charlotte/
Comparison to Competitors
Roof Medic and Storm Guard
These competitors emphasize dedicated insurance claim support, with teams explicitly trained to negotiate with insurers and streamline claims. Schwartz Roofing’s approach appears less specialized in claims advocacy but compensates with local expertise and quality work.
https://roofmedic.com/insurance-claims/
https://www.stormguardrc.com/nc/charlotte-west/roofing-insurance-claims/
Alan’s Roofing: Like Schwartz, Alan’s Roofing is a local Port Charlotte contractor that handles insurance paperwork and offers free estimates. However, Alan’s explicitly advertises streamlining the insurance process, which Schwartz does not highlight as a core service.
https://www.alansroofinginc.com/service-area/port-charlotte-fl/
RoofClaim.com This contractor focuses on hiring top-tier roofers and managing complex insurance claims, with a 4.8-star rating. Schwartz’s similar rating suggests comparable quality, but RoofClaim’s emphasis on detailed inspection reports and claim approvals may give it an edge in handling delays.
https://roofclaim.com/in/florida/port-charlotte-fl/
Recommendations for Schwartz Roofing
To better navigate insurance funding delays and strengthen its market position:
Enhance Communication: Invest in administrative support or CRM tools to ensure prompt responses to client inquiries, especially during high-demand periods post-storms.
https://nextdoor.com/pages/a-a-a-schwartz-roofing-port-charlotte-fl-1/
Clarify Payment Policies: Offer transparent, flexible payment plans (e.g., partial deposits or post-completion payments) to build trust with clients wary of upfront costs, particularly for insurance-funded projects.
https://nextdoor.com/pages/a-a-a-schwartz-roofing-inc-port-charlotte-fl/
Specialize in Claims Support: Consider hiring or partnering with public adjusters to provide dedicated insurance claim assistance, matching competitors like Roof Medic and Storm Guard. This could streamline approvals and attract clients facing delays.
https://roofmedic.com/insurance-claims/
https://www.stormguardrc.com/nc/charlotte-west/roofing-insurance-claims/
Leverage Technology: Adopt software like AccuLynx for claims management and documentation, as used by other Florida roofers, to improve efficiency and reduce delays caused by insurer requests for additional evidence.
https://no1homeroofing.com/roofing-insurance-claims-in-florida-what-you-need-to-know/
Market Post-Storm Expertise
Emphasize its hurricane readiness and quick response capabilities in marketing, building on its Facebook post about securing roofs for hurricane season. This could differentiate it from less experienced competitors.
https://www.facebook.com/p/AAA-Schwartz-Roofing-Inc-100093982508110/
Conclusion
AAA Schwartz Roofing, Inc. is a reputable, well-established roofing contractor in Port Charlotte with a strong track record of quality work and community trust. Its strengths include local expertise, high licensing standards, and a commitment to professionalism, making it well-positioned to handle insurance-funded projects in Florida’s challenging market. However, communication gaps, payment disputes, and a lack of specialized claims support could hinder its ability to fully address client frustrations with insurance funding delays. By improving administrative efficiency, offering flexible payment terms, and enhancing claims assistance, Schwartz Roofing can further solidify its reputation and better serve clients navigating Florida’s insurance crisis.