Close up of a shingle roof and gutter

Can Your Roofer Pay Your Roof Replacement Deductible?

The roofing industry can be competitive so it’s not unusual for roofers to do whatever it takes to secure your business. Most of the time, they do this by offering promotions to entice new customers or provide existing clients with better value on their roofing solutions. Unfortunately, there are unscrupulous contractors whose promotions might not be too wise.

One example of such promos is “free roofs.” The idea is simple: homes with roofing problems covered by insurance can get a brand-new roof replacement from a contractor who will also shoulder the deductible. This essentially means the homeowner will have little to no out-of-pocket expenses for the whole project. Is this a good promotion to take advantage of? Let our experts at 3JM Exteriors, Inc. explain why roofers who pay your deductible for you might be problematic.

Can Your Roofer Pay Your Deductible?

Your roof has incurred some storm damage and your insurance has approved your claim for a roof replacement after a deductible. You find a roofer who promises to do the work for you and even offer to shoulder the deductible. Is this a good idea? The deductible is meant to be the responsibility of the policyholder. Most policies will state this explicitly. By having someone else pay your deductible for you, it could be construed as insurance fraud so the answer to this question is a big no.

Sacrificing Quality

Roofers who offer to pay your deductible will have to recoup the additional cost, which means they might either be giving you an overinflated quote for your claim, or they might cut corners on the project in order to make a profit. In either case, you, as the homeowner, will often end up the loser.

Reputable Contractors

Find a trustworthy roofing contractor who will handle your roof inspection and repairs for you. Reputable roofing companies will never offer to pay your deductible for you, protecting you from potential denial of your claim while, at the same time, ensuring you get a quality roof replacement.

At 3JM Exteriors, Inc., you can trust our professionals for all your roofing needs. Give us a call at (630) 985-6494 or fill out our contact form to schedule a consultation and request a free quote today. We serve homeowners in Downers Grove, Naperville and all nearby areas in IL.

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