While most roofing contractors are honest and reliable, there are still those who would try to pull a fast one on you. Some would even go as far as use illegitimate means to get your business. Have you ever had a contractor offer to replace your roof “for free”? In fact, they’ll be telling you that it’s “perfectly legal” to cover the deductible on your roofing insurance. But you should never consider this deal. Here’s why.
- This is a form of insurance fraud. A homeowner’s insurance policy is a contract between you and your insurance provider. It points out the essentials you’re responsible for – like the deductible – along with the things your insurance company is responsible for, including the limitations, benefits and exclusions. Letting a roofer cover your deductible violates the terms of your insurance contract. Basically, you’ll be involved in something illegal by letting roofers waive your deductible or help you avoid paying it.
- You’ll be losing money. Shady roofers who promise to pay your deductible usually do so to inflate their estimates artificially or are just looking to pocket the difference by completing the job for less than it actually costs. This means you’ll most likely end up with poor workmanship, cheap labor or subpar materials. You can avoid this by turning to a trustworthy roofing company like Renovation Team. We have always been dedicated to honest business practices and delivering full customer satisfaction through exceptional workmanship and high-quality products from the leading brands.
- A lower price still won’t reduce your deductible. There’s no actual financial reward for finding a lower price on roofing services. Whether the price tag is big or small, your insurance company will just subtract the same amount from the overall job cost. That’s why you should always prioritize your deductible.
Renovation Team remains one of the top roofing contractors in the area because we never put our clients at risk. Trust, reliability, integrity and advocacy, and making a difference – these are the set of values that guide us as we deliver top-tier roofing solutions to the communities we serve. We proudly serve the areas in and around St. Charles, Creve Coeur and St. Louis, MO. Call us today at (636) 939-1061, or fill out this contact form to schedule your consultation.