Avoid Insurance Fraud by Paying your Deductible

While home repairs, especially roof repairs and replacements, are oftentimes costly and unexpected, you as the homeowner must always pay the insurance deductible. There is absolutely no legal way around getting out of paying your deductible.

A common practice that has recently popped up is that some unprofessional roofing contractors will promise the homeowner that they can “pay”, “waive”, or “absorb the cost of” the deductible for the homeowner and that the homeowner does not have to pay the deductible themselves. Contractors who tell you this are essentially paying the deductible for you and are therefore raising the price of work to be completed so they make a higher profit off the project. This is not only an unethical practice, but also illegal as it is committing insurance fraud.

Another way of committing insurance fraud is that the contractors will false invoice as if the property owner paid and said that the owner recovers depreciation, when in reality it is given to the contractor.

Many states have passed laws to prevent this kind of scam. For example, according to Florida Statute 817.234 False and Fraudulent Insurance claims (7)(d), a contractor or person acting on behalf of a contractor, may not knowingly or willfully and with intent to injure, defraud, or deceive, pay, waive, or rebate all or part of an insurance deductible applicable to payment to the contractor, or a person acting on behalf of a contractor, for repairs to property covered by a property or insurance policy. Similarly, on September 1, 2019, Texas passed the HB 2102 law stating that all homeowners must pay their insurance deductible.

Florida and Texas are among the many states that have passed these types of laws to protect both homeowners and contractors from unethical and unlawful business practices. You should always be wary of contractors and workmen who tell you that you do not have to pay your deductible if you do business with them. You do not want to get caught up in insurance fraud as consequences may include a hefty fine or possible jail time.

At RoofClaim.com, we do business the smart way and the ethical way. We are licensed and professional contractors who follow all laws, statutes, and regulations. Trust us to handle the entire process of your roof replacement, and in the end, enjoy your new roof!

Sources & Links:

“The 2019 Florida Statutes.” Statutes & Constitution :View Statutes : Online Sunshine, The Florida Legislature, 3 Dec. 2019, >While home repairs, especially roof repairs and replacements, are oftentimes costly and unexpected, you as the homeowner must always pay the insurance deductible. There is absolutely no legal way around getting out of paying your deductible.

A common practice that has recently popped up is that some unprofessional roofing contractors will promise the homeowner that they can “pay”, “waive”, or “absorb the cost of” the deductible for the homeowner and that the homeowner does not have to pay the deductible themselves. Contractors who tell you this are essentially paying the deductible for you and are therefore raising the price of work to be completed so they make a higher profit off the project. This is not only an unethical practice, but also illegal as it is committing insurance fraud.

Another way of committing insurance fraud is that the contractors will false invoice as if the property owner paid and said that the owner recovers depreciation, when in reality it is given to the contractor.

Many states have passed laws to prevent this kind of scam. For example, according to Florida Statute 817.234 False and Fraudulent Insurance claims (7)(d), a contractor or person acting on behalf of a contractor, may not knowingly or willfully and with intent to injure, defraud, or deceive, pay, waive, or rebate all or part of an insurance deductible applicable to payment to the contractor, or a person acting on behalf of a contractor, for repairs to property covered by a property or insurance policy. Similarly, on September 1, 2019, Texas passed the HB 2102 law stating that all homeowners must pay their insurance deductible.

Florida and Texas are among the many states that have passed these types of laws to protect both homeowners and contractors from unethical and unlawful business practices. You should always be wary of contractors and workmen who tell you that you do not have to pay your deductible if you do business with them. You do not want to get caught up in insurance fraud as consequences may include a hefty fine or possible jail time.

At RoofClaim.com, we do business the smart way and the ethical way. We are licensed and professional contractors who follow all laws, statutes, and regulations. Trust us to handle the entire process of your roof replacement, and in the end, enjoy your new roof!

Sources & Links:

“The 2019 Florida Statutes.” Statutes & Constitution :View Statutes : Online Sunshine, The Florida Legislature, 3 Dec. 2019, http://www.leg.state.fl.us/statutes/.

86(R) HB 2102 – Introduced Version – Bill Text, https://capitol.texas.gov/tlodocs/86R/billtext/html/HB02102I.htm.

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