If you are wondering, “Should I let a roofing company pay my deductible?” Let Sugar Land Premier Roofing help you out. Home insurance claims are more common than you might think. In fact, in 2019 alone, 5% of insured homes filed a claim. Now, as you are here, reading this, you might find yourself in a similar predicament – particularly, needing roof repairs. In the storm of concerns surrounding roof damage, one question seems to float above the rest: “Can a roofing company handle my deductible?” Without mincing words, it is a resounding no. Let’s dissect why this seemingly convenient option is a big no-no.
Navigating Through Insurance Hurdles
Once your roof suffers damage, it is like opening a Pandora’s box of insurance-related issues. You will need to delve deep into your homeowner’s insurance policy, understand the nuances of your coverage, and assess how much your insurer will likely cover. Amidst this tangle, you might encounter roofing contractors offering to bear your deductible or promising a ‘free roof.’ But here’s the truth – it’ is often a case of an offer that is too good to be true.
The Pitfall in Roofers Covering Your Deductible
Your homeowner’s insurance policy is not just a piece of paper; it is a legally binding contract that outlines the duties of you and your insurer. One of your fundamental responsibilities is to pay your deductible whenever you make an insurance claim. If you avoid this responsibility, you could find yourself in hot water for insurance fraud.
Understanding the Deductible Scam
When a roofer proposes to handle your deductible, it might seem like a financial load off your back. However, this proposition is usually nothing more than a scam. Here is how it works: If your repair costs are $8,000 and your deductible is $1,000, you would typically pay your deductible, leaving the insurance to cover the remaining $7,000. If a roofer inflates the estimate to $9,000 without you knowing, it can seem like you are getting your deductible ‘back.’ But this intentional manipulation of costs is straight up insurance fraud, which comes with severe penalties.
The Risks Overshadow the Discounts
Given the legal implications, it is not a good idea to let a roofing company cover your deductible. Aligning yourself with contractors willing to use underhand tactics to make you believe you are saving money can land you in legal trouble. Plus, if a roofer is ready to take on such financial risk, could they also compromise the quality of your roof repairs?
Unmasking the Truth About Lower Quotes
There is nothing wrong with getting a lower quote from a contractor if it is done legitimately. The crucial factor is transparency – your invoice should clearly show the actual cost, and the reported expenses must match what you have paid.
A Word of Advice
The concept of a roofer handling your deductible might initially seem like a relief, but it is fraught with risks, including potential legal problems and subpar roofing work. Instead of going down this perilous route, it is best to engage with a professional and reputable roofing company like Sugar Land Premier Roofing. If you are facing financial difficulties and are unable to pay the deductible, it’s better to discuss your situation with your insurance company. They may have options or payment plans available to help you manage the deductible. Always communicate openly and honestly with your insurance provider to avoid potential legal and financial repercussions.
At Sugar Land Premier Roofing, we are committed to delivering top notch work while ensuring full transparency in all our transactions. Operating in Texas, we are always ready to assist homeowners with their roofing needs. For more information, contact Sugar Land Premier Roofing at 832-639-1299. We service areas in Sugar Land, Katy, Deer Park, and Houston, TX.