Storm Damage FAQ
Your Questions Answered
At Divided Sky Roofing and Exteriors, we often have clients ask us questions about filing insurance claims for a new roof. We get it; insurance can be a very tricky subject to maneuver. In the interest of keeping our customers fully informed, we’ve put together some of the most common questions or concerns about insurance claims below.
Q: I am not sure if it is worth filling a claim.
A: Let a roofing professional like Divided Sky Roofing & Exteriors 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.
Q: My deductible is high and I don’t have that money to pay right now so I want to wait to file a claim.
A: 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. 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.
Q: What is the “Free Roof” Scam?
A: 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. 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.
In the meantime, please check out our Frequently Asked Roofing Questions or contact Divided Sky Roofing and Exteriors for answers to all of your storm damage questions.