The Problem
Some contractors offer waived or discounted deductibles as a selling point to their customers. Whether they know it or not, they’re asking their customers to commit insurance fraud. In order for a contractor to waive a homeowner’s deductible, they must provide a false invoice to the insurer – this constitutes insurance fraud.
How roofers waive deductibles
When your insurance pays for roof repairs, you’re still responsible for your deductible. It’s illegal for contractors to waive or cover this cost. If they do—by submitting different invoices to you and the insurance company—the insurer may demand repayment and refer both parties for state investigation.
CHOOSE A ROOFER
YOU TRUST
At Premier, we believe that honesty and transparency with our customers and insurance carrier partners are paramount to long-term stability and the health of the industry in general. It is important for all participants in the insurance claim process to work together in good faith to ensure healthy relationships in the industry, and frankly, to keep our customers out of trouble. Check your local statutes and regulations below to understand all of the implications of a contractor who offers to pay, waive, or discount your deductible.
