Do I Have to Pay My Deductible for a Roof Replacement?
Do I have to pay my deductible for a roof replacement covered by insurance? The short answer is yes.
For many years, roofers have covered the cost of the deductible even though it was always considered insurance fraud; however, those days are long gone.
In recent years, states have begun to crack down on roofers and homeowners when deductibles were not collected for insurance claims. Texas even wrote legislation in 2019 to create punishable offenses. As you can see here in this article from the Texas Department of Insurance “It is illegal for contractors or roofers to offer to waive a deductible or promise a rebate for all or part of a deductible. Under the new law effective September 1, (2019) violators could get up to a $2,000 fine and up to six months in jail”.
In Florida, two roofers were arrested recently for providing “advertising credits” in lieu of the customer paying their deductible. At the time of writing this article, it is still unsure if the homeowner will be prosecuted as well.
Don’t these Deductible Laws Hurt the Homeowner?
Actually, quite the opposite. These laws were written and are being enforced to protect homeowners from roofing scams, poor workmanship, and fly-by-night roofers.
The roofing industry, unfortunately, is a playground for con artists and has been for far too many years. Every year, the news reports homeowners being scammed out of thousands of dollars by so-called roofers. They scoop in with low prices, promises of upgrades, and no deductibles then take your deposit and run. In fact, the dishonesty and poor craftmanship is the exact reason Chris Baker saw a need to start Baker Roofing and Construction; to help homeowners gain trust in a company and get high-quality products and services.
Why is Paying My Deductible Important?
When an insurance estimate is written, it allows for the roofing company to provide you with quality products, services, and a warranty for your new roof. Additionally, like every company, roofing companies have overhead expenses that must be covered; things such as general liability insurance, office support, and project managers. When a contractor is able to “waive a deductible” then that company is cutting corners somewhere and you can be sure the homeowner will be on the losing end.
How to Not be Scammed by a Roofer?
When choosing a roofer, we recommend a few tried and true methods to select a legitimate roofing company.
- Do not sign anything from a door to door solicitor without researching first
- Does the roofing company have an online presence? (i.e. social media profiles, website, Google reviews, etc.)
- Can the roofing company provide you with verifiable references?
- Does the company provide a warranty?
Lastly, make sure you choose a roofing company that you are comfortable working with; while roof installations only last a day or so, having a company you can trust for all your future roofing issues greatly reduces the stress of roof leaks and repairs.
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