HOW ROOFERS WAIVE DEDUCTIBLES
When an insurance company pays for your property repairs, they subtract your deductible amount from their payments. That deductible expense is the contractual responsibility of the insured homeowner and it is illegal for a contractor to interfere in this contractual obligation.
Contractors who waive insurance deductibles provide an invoice to the insurance carrier to release funds, and then provide a different invoice or collect a different amount from the insured homeowner. If an insurance company knows a contractor is billing them for the full project cost, but not billing the homeowner for the same amount, they could demand repayment for the difference and refer the contractor and the customer to the state for investigation.