Deductibles
The Truth About Roof Repair Deductibles: What You Need to Know
When storm damage strikes, your home insurance policy is there to help—but only if you follow the rules. Some roofing contractors may offer to “waive” or “cover” your deductible, making it seem like you’re getting a great deal. However, what they won’t tell you is that this practice is illegal in many states and could cost you far more in the long run.
Why Deductibles Exist and Why You Must Pay Them
A deductible is your share of the repair costs before your insurance takes over. It’s a requirement in your policy—not an optional fee.
For example, if your home insurance covers $15,000 in roof damage and your deductible is $2,000, you must pay that amount before insurance pays the remaining $13,000. This system helps prevent fraud and keeps insurance premiums fair for all homeowners.
Some contractors may claim they can “work around” your deductible, but this is a red flag. If a roofer is willing to break the law, what else might they cut corners on?
The Hidden Dangers of Working with Dishonest Contractors
A roofing company that promises to waive your deductible is likely engaging in other questionable practices, such as:
- Using Inferior Materials – Instead of high-quality shingles, they may install lower-grade products that won’t last, leaving you vulnerable to future damage.
- Skipping Critical Repairs – Proper waterproofing and underlayment installation protect your home from leaks. Shady contractors may skip these steps to save money.
- Hiring Unqualified Workers – Some companies cut costs by using unskilled labor, leading to poor craftsmanship that can cause long-term structural issues.
- Avoiding Permits & Inspections – Without proper permits, your roof replacement may not meet local building codes, causing problems if you sell your home.
Roofing fraud isn’t just about cutting corners—it puts your home at risk. That’s why it’s crucial to choose a reputable contractor who follows the law and delivers quality work.
Deductible Fraud:
What You Could Be Facing
Think waiving your deductible is a harmless loophole? Think again. Many states, including Texas (House Bill 2102), have laws explicitly prohibiting this practice. Here’s what’s at stake if you get caught:
❌ Fines & Criminal Charges – Homeowners and contractors alike can face legal consequences for participating in insurance fraud.
❌ Voided Claims – If your insurer discovers fraud, they can refuse to pay for the repairs, leaving you with the entire bill.
❌ Higher Insurance Costs – Fraudulent claims can lead to increased premiums, making coverage more expensive for everyone.
❌ Future Claim Denials – A history of fraudulent activity can make it harder to secure coverage in the future.
How to Stay Protected & Ensure a Legitimate Repair
✅ Always pay your deductible as required by your policy.
✅ Only work with licensed, reputable contractors.
✅ Get a written contract detailing all costs, including your deductible.
✅ Report any contractor that offers to waive your deductible.
Paying Your Deductible Has Real Benefits
Covering your deductible might feel like an inconvenience, but it ensures your home is properly repaired and protects you from future legal and financial troubles.
✔ Guaranteed Quality Work – Honest contractors use premium materials and skilled labor.
✔ Compliance with the Law – Staying legal means avoiding penalties and denied claims.
✔ Peace of Mind – A legitimate repair ensures your home stays protected for years.
✔ Insurance Coverage for Future Claims – Following the rules keeps you eligible for future claims.
Common Questions About Roofing Deductibles
- Can a contractor legally waive my deductible?
No. In Texas and many other states, it’s illegal for a roofing company to waive or absorb your deductible. Doing so is considered insurance fraud. - What happens if I don’t pay my deductible?
Your insurance provider can deny your claim or refuse to cover the cost of repairs. You may also face legal consequences for attempting to bypass the deductible requirement. - What if I can’t afford my deductible?
Some reputable roofing companies offer financing options to help homeowners cover their deductible legally. Additionally, some insurers provide assistance programs for financial hardships. - How do I know if a roofing company is trustworthy?
Look for a contractor with proper licensing, a history of satisfied customers, and transparent pricing. Avoid any roofer that offers to cover your deductible—it’s a major red flag.
McAdams roofing
At McAdams Roofing we prioritize integrity, quality, and customer protection. Here’s why homeowners trust us:
✔ Fully Licensed & Insured – We follow all state and local regulations.
✔ High-Quality Materials – We use only top-tier products for lasting repairs.
✔ Clear & Honest Pricing – No gimmicks, no fraud, just fair and upfront pricing.
✔ Flexible Financing Options – Need help with your deductible? We offer legal solutions.
✔ Stress-Free Insurance Assistance – We guide you through the claims process to maximize your coverage.
You ask, we answer
- Serving DFW
- 940-222-1034
- [email protected]
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