Monday, 16 February 2015

Could It Be Legal For Any Roofing company To Cover An Insurance Deductible

Native land laws are strict regarding roofing contractor behaviour.

Claim Denial

Provided the state statutes render the roofer paying for deductibles illegal, such as found in Minnesota state law, the law also provides protection for the insurance company. Should the insurer determine the roofer is engaged in illegal business practices, the insurer does not have to consider the estimate provided by the roofer. A dishonest roofing contractor may proposal to recompense the bill of the deductible on the policy, on the contrary indeed, doing so requires the contractor to submit false figures on the divulge.


In an insurance policy, a deductible is the size of bucks a policyholder pays before the insurance corporation begins paying elsewhere the the rest of the remark. In many cases, provided a consumer carries a grand deductible, it reduces the extent of the insurance premiums. While it might seem allying a skilled meaning in codification to lower monthly premium costs, it might prove costly in the appearance a policyholder files a say.

State Laws

In some states, such as Texas, a roofer paying for a deductible is lawless. Under the terms establish forth in the Concern and Trade Code, a roofer selling services or goods commits fraud provided he pays any size of the deductible. It is as well illegitimate in some states for roofers to pass rebates when fulfilling the terms of their contracts.

When hailstorms strike, homeowners regularly elicit damage to their roofs. In plan to repair that damage, the homeowners turn to roofing professionals. While many roofing contractors frank themselves reputably, some contractors are not so scrupulous.

If there are several companies preparing estimates and some of them are offering the homeowners a "special discount" that takes care of the deductible, the insurance company will not include those companies when examining estimates and determining the outcome of the claim.

Illegal Discounts

Offering special discounts and rebates from a roofer is illegal in some states. This practice leads to states introducing various bills designed to chop down on instances of illegal roofing contractor practices. In Illinois, For instance, both House and Senate that provided actual financial penalties for roofing contractors engaging in illegal activities passed a bill.

Unscrupulous Practices

Some roofing contractors engage in other unscrupulous practices. For instance, a contractor might show up at a homeowner's house and make unsupported verbal promises. The homeowner, believing the deal offered by the roofing contractor to actually be beneficial, agrees to use the contractor's services. However, without having the terms of the agreement spelled out in a written contractor, the homeowner does not have legal grounds to sue for damages if the contractor does not fulfill the terms of the verbal contract.