Because your roof is one of the most important parts of your house and one of the costliest to replace, it’s normal to try to reduce the amount repairing or replacing will cost.
But you know the old adage, “If it sounds too good to be true…” - then it’s probably not! Some roofing companies use insurance as a way to get business which is perfectly ok if it’s legitimate.
While normal wear and tear is not covered by insurance, if your roof does get damaged by a covered disaster such as a storm, high winds, or fire, you can file an insurance claim. Once you file a claim, the insurance company most likely will tell you to get 3 estimates before the adjuster even comes out to assess your roof. After that they will send a claim adjuster out to make a determination as to whether and how much will be covered by insurance.
You will have to pay the deductible on your insurance policy before the company will cover the rest of your roof repair cost. Some roofing companies will tell you that they can get the deductible waived for you. Then they proceed to bill the insurance company for the amount as agreed upon EXCEPT they also add the deductible to it!
Some homeowners even agree to this up front as a way not to pay the deductible. Either with your knowledge or without, you and the roofing company have just committed insurance fraud and you may get into legal trouble.
It’s always best to go with a reputable roofing company!
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