Posted by Claire Hammons No Comments on Deductibles and Fly-By-Night Roofing Contractors Home Insurance, Roofing Insurance

Deductibles and Fly-By-Night Roofing Contractors

Did you know that it is illegal for a roofing contractor to waive an insurance deductible or help you avoid paying it? As per the Texas Department of Insurance and state law, it is. When roofing contractors offer to waive your out-of-pocket deductible, they are attempting to undercut local and qualified roofing contractors, such as ourselves. We handle losses with homeowners and insurance companies on a consistent basis and per procedure demanded by state law.  

Negligent roofing contractors use the tactic mentioned to bait and switch homeowners. They often offer inferior quality materials and labor and terminate the warranty they promised to uphold. Beyond the consequences of shoddy workmanship and cheap materials, these roofing contractors affect local roofing contractors who work with integrity, respect, and have a history of experience in the community.  

In October 2019, the Texas Insurance Code was modified to state that proof of payment of the homeowner’s deductible is now required before an insurance company makes any form of payment for repairs. Violators can get up to a $2,000 fine and up to six months in jail.  

It is vital that homeowners reject “fly-by-night roofers” offering to cut deals and pay deductibles. It hurts you; honest roofers and it causes insurance companies to raise their rates in the long term.  

If you’ve noticed any signs of damage or leaks on your roof, go with a trusted roofing contractor. Give us a call today or fill out our contact form for a free inspection.