How Roof Claim Deductible Works

To get the job texas roofers often offer homeowners a free roof by agreeing to pay the homeowner s insurance deductible.

How roof claim deductible works.

Because insurance companies will automatically subtract the deductible from the claim payment roofing contractors that cover deductibles either have to artificially inflate their estimates to cover the deductible or find a way to complete the job for less than it actually costs usually through shoddy workmanship cheap labor or cheap. Dollar amount deductibles work like this. If you live in an area where roof damage from windstorms and hail is prevalent or possible the decision you make about this coverage could mean the difference between paying out just your homeowners policy deductible or your deductible plus depreciation costs. If your deductible is 1 000 and you file a roof claim totaling 6 500 in damages you pay the first 1 000 of the repair costs out of pocket before your insurance company sends you a check for the remaining 5 500.

With any insurance claim there is almost always a deductible. A new law if approved by gov. Abbott is designed to end the illegal. We are happy to explain why it isn t necessarily legal for a roofer to pay the deductible on a claim.

For example if a new roof costs 8 000 and your deductible is 1 000 your insurer will pay for 7 000 of the roof replacement. Going from 2 to 1 or asking for a 1 000 or 2 000. However deductibles and other insurance policy features vary by company and your specific insurance product policy as well as state law. And always consult with a public adjuster or your insurance adjuster if you are unsure about any step of the roof insurance claim process.

President of town and country roofing ralph harris suggests homeowners contact their insurance providers and bargain for a lower deductible. If for example the roofer plans to complete 6 000 of repair work but bills the insurance company for an extra 1 000 to account for the deductible they re lying to the insurance company. If your roof needs to be replaced be prepared for an average bill of 24 700 for asphalt shingles and 40 318 for metal roofing according to a 2020 report from remodeling magazine. This difference could amount to thousands of dollars depending on the age of your roof.

It s generally that simple. Rather than make possibly illegal claims the quality roofers at eagle watch roofing choose to educate their clients.