As a homeowner it can be very stressful trying to get your roof fixed after a storm. You call your insurance company to see how much they will cover your roof and to figure out how much your deductible is. You might be approached by a seemingly legitimate contractors and told it is “legal” to cover a deductible on insurance repairs. Some roofing companies make it such a common practice they openly advertise “Free Roof” on yard signs and door hangers. While it might sound appealing having them cover your deductible– is it legal? No, it’s not.
Why Can’t Roofers Pay Deductibles?
A homeowner’s insurance policy is a contract between the homeowner and their insurance company. This policy outlines the responsibilities of each party when a claim is filed. In that contract, there is a section that explains what the homeowner is responsible for (deductible) and what the insurance carrier is responsible for (benefits, limits, and exclusions). It’s not just the insurance companies that have financial responsibility if something happens; all homeowners have responsibilities as well. Homeowners who do not pay their deductibles are technically committing a form of insurance fraud.
Why We Won’t Cover Your Deductible
At the end of it, you are getting what you paid for. If a company is covering your deductible they are making up for that loss somewhere else, be that over charging your insurance company or putting lower quality material on your roof. At Nailed Right Roofing & Construction we make sure that we do everything according to law, not committing insurance fraud and using the best quality materials.
Contact Nailed Right Roofing & Construction
If you have any more questions about this topic. Contact us at 817-805-5260
to learn more about our roofing services and to get a free quote.