Can My Roofing Company “Get Rid of” My Insurance Deductible?

Repairing your roof after a storm is one of the most important steps you can take to ensure the longevity of your home. Taking prompt action provides you with invaluable peace of mind; after all, even seemingly insignificant damage can lead to costly repairs down the road. So, where does a homeowner turn to find quality repair services at a price that doesn’t break the bank?

The answer to this question is, unfortunately, not as cut and dried as one may initially think. In order to protect yourself from future costs and to get the most from your roofing repair service, there are a few key factors to keep in mind from the start:

  • The cost of roofing repair varies greatly depending on the amount of damage present and the state of the roof prior to said damage.
  • Not all roofing contractors are created equally. Do your research, check verified customer reviews and talk to the companies you are considering before making a final decision.
  • Get a free, professional-grade inspection by trained professionals. If your roof has been damaged, we will provide you a report of our findings and explain to you what we consider your best options. Don’t fall for claims from unscrupulous roofers stating that they can “cut you a deal.”
  • Ultimately, not paying deductibles translates into cut corners, questionable motives on the part of the roofing company and second-rate work that falls well below industry specifications.

When What You Don’t Know Can Hurt You

Have you ever experienced the following scenario?

A major bout of storms ravages your area. Hail, wind, rain or fallen trees and branches — this unforeseen act of nature has resulted in dislodged gutters, shingles in front yards and countless roofs in need of obvious repair throughout your neighborhood.

Within days, countless “reliable” roofing specialists suddenly appear on your doorstep, each offering a great deal on repairs, all with a loophole or workaround to ostensibly save you some money. How, you may ask, is it possible for a roof repair company to waive your deductible without the slightest knowledge of your insurance policy?

This is where many homeowners make their first mistake. The fact is that reputable roofing contractors will not “fudge the numbers” for you or submit falsified invoices to your insurance company. Well-established, qualified professionals rely upon legitimate relationships with insurance providers as much as they do with their customers. A contractor who insists otherwise presents one of the most alarming red flags immediately.

Is a Vanishing Roofing Repair Deductible Really Fraud?

Consider this: The majority of vehicle owners would never dream of attempting to defraud their car insurance providers in the event of an accident or comprehensive damage. Why is it, then, that they entertain the same idea when the opportunity arises to do the same for the roof over their heads?

This is primarily because car insurance providers tend to operate in a way that is far more stringent than home insurance companies used to operate. As recently as 15 to 20 years ago, the practice of paying out a lump sum to the homeowner was standard, allowing said homeowner to allocate the funds as they saw fit (even if this meant that the contractor’s recommended repairs were not completed).

Today, however, certain restrictions exist in order to protect both the homeowner from potential litigation and the insurance provider from loss due to fraud. In turn, roofing contractors are protected on their end from possible legal contention. In other words, everyone wins when the process is carried out properly and legally.

Whether you pay your homeowner’s insurance monthly or yearly, your premium is your guarantee that your residence will be repaired should the unthinkable occur. Utilizing a credible, experienced and straightforward roofing contractor accomplishes the same goal.

Roof Repair with No Deductible: The Facts in a Nutshell

Though cutting corners — and repair costs — may seem tempting in certain situations, research shows that doing so ultimately results in more than a financial headache and regret. Everyone wants to save hard-earned money whenever and wherever possible. However, the roof that protects your home, family and belongings is one of the few things in life that warrant an appropriate investment.

Entrust a highly respected roofing company committed to adhering to ethical principles, and you won’t find yourself regretting your decision in the months and years to come.

Discover the Ashco Exteriors Difference

Ashco Exteriors provides reliable, quality-driven roof repair services with thousands of satisfied references. Contact us for a free, no-obligation seven-point inspection today.