Insurance Advice
I’m not sure if it’s worth filling a claim?
Let us take a look and see how much damage you actually have and if we think it is something your insurance will cover. We work with insurance companies daily and have several former adjusters who know exactly what to look for and how to estimate the amount your insurance will cover for a covered loss. Our rule of thumb is unless we are confident you have enough damage to substantially cover your deductible, we will not advise you to file a claim. We don’t want to waste everyone’s time on claim and ruin any claims free discounts you may have for a negligible amount if any.
My Deductible Is High, I Don’t Have the Money to Pay Right Now, I Want to Wait to File a Claim.
Long gone are the days of $500 deductibles for storm damage. Today most policies have deductibles that range from 1-2% of the total insured amount. 1% is the most common so for a $200,000 home the deductible amount is typically $2,000 with an average roof replacement cost close to $9,000. The deductible amount is taken out of the settlement amount after the claim is adjusted.
Is There an Upside?
You do not have to pay the deductible to file the claim. The deductible amount is paid directly to the contractor you choose to repair your storm damage. The good news is we are able to finance that amount for you so your home can get repaired!
It is illegal per Texas law for a company to “PAY YOUR DEDUCTIBLE” or offer a “FREE ROOF” in conjunction with an insurance claim. See Chapter 35 Insurance Fraud Section 35.02(7)(B) BUSINESS & COMMERCE CODE CHAPTER 27. FRAUD § 27.02. CERTAIN INSURANCE CLAIMS FOR EXCESSIVE CHARGES.
What is the “Free Roof” Scam?
A free roof probably sounds too good to be true, and the truth is – it is. For example, if a New Braunfels roofer advertises or offers a free roof, he or she is engaging in insurance fraud and you as a homeowner can end up paying much more than expected for your roof. There could also be expensive legal consequences.
How Can I Avoid the “Free Roof” Scam?
There are several ways roofing scams may be presented to homeowners:
- A roofer offering to pay your deductible
- Inflating your insurance invoice to cover the deductible
- Advertising deductible reimbursement
All of the tactics mentioned above violate Texas law and as a homeowner you could be left dealing with insurance fraud penalties. Many dishonest roofers that engage in the free roof scam will also leave town without finishing or correctly repairing your roof, costing you even more than you planned. Find out more about how to Avoid the “Free Roof” Scam.
Dive In
Want to learn more about storm damage? Browse the latest news, tips, and advice we’ve shared in our storm damage blog posts.
Effects of Changing Weather on Roofs: Insights From San Marcos Roofers
Seguin Roof Storm Damage: Costs & Prevention Tips | Divided Sky
Bastrop Roofing – Ensure Your Roof Survives Texas Summer & Storms
How to Repair Storm-Damaged Roofs
Protect Your Roof & Solar Panels from Storm & Hail Damage with Our San Marcos Roofers
