How Bad Roofers Can Compromise Your Insurance Claim
When homeowners face roof damage from storms, hail, or other disasters, they often file an insurance claim and hire a roofer for repairs. However, choosing the wrong roofer can lead to delays, financial setbacks, and added stress.
Inflated Damage Reports
The insurance process starts with assessing damage and estimating repair costs. Insurance companies rely on adjusters and independent roofers to verify claims. But unethical roofers may exaggerate reports to secure higher payouts, a practice that’s not only unethical but potentially fraudulent.
These misrepresentations can cause disputes, delays, or even claim denials, leaving homeowners to pay out of pocket.
Bad Roofers Miss Code Upgrades
Inexperienced roofers can overlook important details your policy covers, like ridge venting or adding water and ice shields. They may also ignore local building codes, manufacturer guidelines, or fail to account for necessary code upgrades.
Building codes and material standards change over time, so simply replacing an old roof “as is” may leave it vulnerable. Skilled roofers work with your insurance adjuster to ensure all required upgrades are covered.
Don’t Waive Your Deductible
When a roofer offers to waive your insurance deductible, it might seem like a great deal, but it’s a red flag. Waiving deductibles is often illegal and considered insurance fraud.
This practice typically involves inflating estimates to cover the deductible, which can lead to legal trouble for both you and the roofer. Consequences include fines, policy cancellation, and even jail time. Always choose a roofer who plays by the rules.
Substandard Repairs and Further Damage
The quality of roof repairs is critical. A roofer lacking expertise or cutting corners can result in poor repairs that fail to address the underlying issues, such as structural damage or improper valley setups causing leaks. Bad repairs can lead to further problems like water damage, mold, and weakened structural integrity.
These issues not only require additional repairs but may also complicate future insurance claims, as problems caused by poor repairs may not be covered. Many subpar roofers simply accept the insurance scope without offering a proper counter assessment. To stay profitable, they cut costs by using lower-quality materials, rushing jobs, or skipping essential steps, all of which compromise your roof’s durability and integrity.
Warranty and Insurance Premium Implications
Reputable roofers often offer warranties on their workmanship. A bad roofer may provide little to no warranty, leaving homeowners at risk of future repair or replacement costs. Even if a warranty is offered, contractors engaging in shady practices rarely honor it.
If the roof isn’t installed according to manufacturer guidelines, the warranty becomes void. Similarly, improper installations can disqualify insurance claims, forcing homeowners to cover the replacement cost. In states requiring permits, a poorly installed roof may fail inspection, creating issues with selling or refinancing the home.
The quality of roofing also impacts insurance premiums. A poorly built roof increases risks, leading to higher premiums, whereas a well-constructed roof can qualify you for discounts.
Never Hire an Unlicensed or Uninsured Roofer
Hiring an unlicensed or uninsured roofer can expose homeowners to major risks. If a roofer is injured on your property or their work causes damage, you may be held liable, leading to costly legal battles and expenses.
Trust is essential when hiring a contractor. Transparency about licenses, insurance, costs, and processes is key to a successful project. A contractor who starts with deception is not someone you can trust with your home.
The Path to a Secure Roofing Project
Emergencies like storms or tree damage may require quick action, but rushing to hire the wrong roofer can lead to financial strain, legal problems, and ongoing stress. Taking time to make an informed choice is crucial to protect your home, finances, and peace of mind.
Before hiring a roofer for an insurance claim, verify their license and insurance, check references, and review contracts carefully. Understand the insurance claim process and maintain clear communication with your insurer and contractor.
Roof MD is a licensed, bonded, and insured roofing company with extensive experience in handling insurance claims and working with adjusters. We deliver the highest quality roofing services and roof replacement your policy allows, ensuring your complete satisfaction.