Picture this scenario: a bad storm rolls around and damages your roof. You’re not worried because the repair or replacement is covered by your homeowners’ insurance, after a deductible. Suddenly, you come across a roofing and siding contractor who gives you an estimate and promises that they’ll “pay” your deductible for you. Essentially, you’ll be getting a new roof for free.
Sounds good, right? Unfortunately, this tactic can land you in hot water. It’s a common practice often employed by unscrupulous contractors and many experts recommend staying away from roofers who offer to cover your deductible. Let our trustworthy roofing professionals at Custom Installations explain why a “deductible-free” roofing job is a bad idea.
What Is a Deductible?
Your insurance policy is a contract between you and your insurance provider. For example, your metal roofing system is damaged by a recent accident, depending on the cause of the problem, your policy ensures that your losses are minimized on your part by covering the bulk of the cost to repair or replace your roof. Your deductible is a portion of this cost that you, as the homeowner, is contractually responsible for.
Can Roofers Cover Deductibles?
The short answer is no. The terms of your policy are often clear about who should pay the deductible. Some roofing companies may offer promotions that promise to pay your deductible. They do this by providing you with a quote that is higher than normal. This quote will then be used by your adjuster to determine how much they will award you on your claim. Unfortunately, because the quote presents an inflated price, submitting it to your insurance will be considered fraud.
Stay Away From These Promotions
In many cases, roofing services who offer this “promotion” will need to cut the actual cost of your roofing job, just to make up for the difference between your claim plus the cost of your deductible. The result is often shoddy workmanship that might jeopardize your roof.
Our roofing professionals at Custom Installations have years of experience helping homeowners with their insurance-covered roofing needs. Give us a call at Illinois: (847) 558-1967, Wisconsin: (414) 405-1520, or fill out our contact form to schedule a roof assessment and request a free quote today. We serve homeowners in Lake Forest, Illinois, and other nearby areas in IL.