If a roofing contractor offers to waive your roof replacement deductible, it’s a red flag you shouldn’t ignore. Instead, opt for a company like GoldenRite Roofing that works transparently with your insurance agent.
Roofers who waive roof replacement deductibles, promising you a “free roof,” are prevalent in many areas. However, it’s in your best interest to steer clear of such contractors and opt for a more reputable option by paying your full roof replacement deductible.
The Risks of Waived Deductibles
In 2019, Texas passed a law (HB 2102) that made it a criminal offense for roofing contractors to offer to waive a homeowner’s deductible. This law mandates that contractors must clearly state in boldface language that homeowners are responsible for paying their deductible under their property insurance policy. Oklahoma followed suit with a similar law in 2022.
While not all states have such stringent laws, it’s essential to be cautious of contractors offering waived deductibles. These offers are often convoluted and could potentially be illegal.
How Do Roofers Waive Deductibles?
The idea of having your deductible absorbed by your roofing contractor may seem appealing, but it’s not as straightforward as it sounds. Typically, roofing companies inflate the total cost billed to your insurance company to cover the deductible, which can lead to accusations of insurance fraud.
The Consequences of Waived Deductibles
Aside from the risk of insurance fraud accusations, roofers offering to refund deductibles may compromise on quality or materials to offset the cost. In some cases, contractors have vanished after waiving deductibles, leaving homeowners with subpar or incomplete roof replacements.
What If I Can’t Afford My Deductible?
While deductibles can be steep, it’s not worth risking insurance fraud. Instead, consider negotiating with your insurance provider for a lower deductible. Even a slight reduction can make a significant difference in your out-of-pocket expenses.
Conclusion
Roofing companies that resort to insurance fraud to secure business aren’t worth your trust. If they’re willing to cut corners with insurance, where else might they compromise? Your roof is too important to gamble with, so choose a reputable contractor like GoldenRite Roofing.
While avoiding your deductible may seem appealing, a reliable roofing contractor knows how to navigate the insurance process to ensure you receive the compensation you’re entitled to. At GoldenRite Roofing, we prioritize quality workmanship and transparency, ensuring your roof is in safe hands.
Contact GoldenRite Roofing today for expert roofing services you can trust. We’re committed to delivering top-notch results and peace of mind for homeowners in Tulsa and beyond.
Frequently Asked Questions
Do I Pay My Deductible to My Contractor?
No, you are responsible for paying your deductible directly to your insurance company. It is illegal for a contractor to offer to pay or waive your deductible.
Do You Have to Pay a Deductible for Roof Replacement?
Yes, deductibles are a standard part of insurance policies. You are required to pay your deductible when filing a claim for roof replacement.
Can the Roofing Company Pay My Deductible?
No, it is illegal for a roofing company to pay your deductible. Doing so could result in legal consequences for both you and the contractor.
Is It Illegal for a Roofer to Pay Your Deductible?
Yes, it is illegal for a roofer to pay or waive your deductible. In many states, including Oklahoma, laws prohibit contractors from offering to absorb or cover a homeowner’s deductible.
How Much Is a Roof Deductible?
The amount of your roof deductible depends on your insurance policy and coverage. Deductibles can vary widely, so it’s essential to review your policy carefully.
When Should You Pay a Roofer?
Typically, you should pay your roofing contractor according to the terms outlined in your contract. Some contractors may require a deposit upfront, with the remainder due upon completion of the project. Always clarify payment terms with your contractor before work begins.
