The Mills Siding and Roofing lawsuit record centers on three things: bankruptcy adversary proceedings the Michigan contractor has filed against its own customers to keep their debts alive after Chapter 13, a pending Michigan Court of Appeals case out of Kalamazoo, and consumer reviews accusing the company of coaching homeowners through fraudulent insurance claims. No government agency has publicly charged Mills with fraud in the available records.
Bankruptcy Cases Mills Has Filed Against Customers
Mills Siding & Roofing has used federal bankruptcy court to pursue customers who tried to discharge debts owed to the company. In each case, Mills argued the debt should survive bankruptcy because it was incurred through fraud or similar misconduct.
Mills Siding & Roofing v. Finn
On July 10, 2024, Mills filed an adversary proceeding against Eric A. Finn and Julie M. Finn in the U.S. Bankruptcy Court for the Eastern District of Michigan. The complaint sought a ruling that the Finns’ debt was nondischargeable under three provisions of federal bankruptcy law, alleging false pretenses and actual fraud, fraud as a fiduciary or embezzlement, and willful and malicious injury.1PACER Monitor. Mills Siding & Roofing LLC v Finn et al
The case ran into trouble early. The court flagged improper service in late July 2024, and after the Finns did not respond, the clerk entered a default against them in August 2024. Even with that default in place, the proceeding was dismissed by court order on October 18, 2024, and formally closed on April 3, 2025. The docket does not explain why.1PACER Monitor. Mills Siding & Roofing LLC v Finn et al
Mills Siding & Roofing v. Combs
Mills filed a similar action against Sandra D. Combs in the same court on March 17, 2026, again alleging false pretenses and fraud as a fiduciary or embezzlement.2PACER Monitor. Mills Siding & Roofing LLC v Combs
This one moved fast. Ten days after filing, the parties reached a stipulated settlement. On March 27, 2026, Judge Joel D. Applebaum entered a consent judgment declaring the debt to Mills nondischargeable, so Combs remained on the hook for it despite her Chapter 13 filing. The case is closed.2PACER Monitor. Mills Siding & Roofing LLC v Combs
The Rosario Appeal in Michigan State Court
Mills also has an active appeal in the Michigan Court of Appeals. The company filed Mills Siding and Roofing LLC v. Margie Rosario (COA #372914) on October 16, 2024, out of the Kalamazoo Circuit Court.3Michigan Courts. Mills Siding and Roofing LLC v Margie Rosario, COA #372914 Jacob Kahn represents Mills, the same attorney who handles its bankruptcy litigation; Christopher D. Morris appears for the other side.4Michigan Courts. Attorney Case Search, Christopher D. Morris
As of mid-2026 the case is “Submitted on Case Call,” meaning it has been briefed and is waiting for a panel decision. The underlying dispute and the trial court’s ruling are not detailed in the available records.3Michigan Courts. Mills Siding and Roofing LLC v Margie Rosario, COA #372914
Consumer Complaints About Insurance Claims and Workmanship
Alongside the court cases, Mills has drawn customer complaints on the Better Business Bureau site.
A reviewer posting in June 2025 said Mills representatives gave him a script, including a specific storm date, to report to his insurance company. He said the company insisted on being present during the insurance inspection and “grossly exaggerated” the condition of his roof. His adjuster found no storm damage and denied the claim. The reviewer called the experience “predatory solicitation, scare tactics, and misrepresentation” and accused Mills of coaching consumers to mislead insurers.5Better Business Bureau. Mills Siding & Roofing LLC Customer Reviews
Other complaints focused on workmanship. A late-2025 reviewer alleged Mills damaged his roof during the project and then “shingled over it” instead of fixing the problem. A November 2024 reviewer said the company damaged wood on his roof and never came back to repair it after being paid. Another described an incorrect installation from a 2022 project that required follow-up work.5Better Business Bureau. Mills Siding & Roofing LLC Customer Reviews
These are individual accounts from one side of each dispute, posted to a review platform. No government agency has publicly charged Mills Siding & Roofing with insurance fraud based on the available records.
Who Owns Mills Siding & Roofing
Mills is owned by Zachary Sill and operates as a DBA of XYZ Roofco, LLC, a Delaware entity managed by SMC Roofing Solutions, LLC and headquartered in Duluth, Georgia.6Mills Siding and Roofing. Privacy Policy7Florida Division of Corporations. XYZ Roofco LLC Filing Detail The brand sits inside a larger network called RAFTRx Roofing + Exteriors, an insurtech venture backed by Saw Mill Capital Partners that launched in July 2024 as a consolidator of regional roofing companies. RAFTRx leadership has described the goal as becoming the “Safelite of roof repair” by working directly with insurers and third-party claims administrators.8dig-in. RAFTR Positions Itself to Dominate Roofing Claims Service Mills keeps its original name and local leadership under that structure.9Missouri Business Alert. Georgia-Based Roofing Firm RAFTRx Acquires Kingdom Krafters
What the Pattern Shows
Mills’ court filings follow a recognizable playbook in the roofing and home improvement industry: when a customer files Chapter 13, the contractor files an adversary proceeding arguing the debt arose from fraud and cannot be discharged. In Combs, that strategy produced a consent judgment for Mills. In Finn, the case was dismissed for reasons the record does not give. The Rosario appeal is still pending.