How Bad Roofers Can Compromise Your Insurance Claim

Bad Roofer - Insurance Claim

When homeowners face the stress of roof damage, whether from storms, hail, or other disasters, their first step towards recovery often involves filing an insurance claim and hiring a roofer for repairs or replacement. However, the choice of roofer can significantly impact the process and outcome of an insurance claim. A bad roofer doesn’t just mean potential delays in fixing your roof; it can have far-reaching implications that can hurt homeowners financially and emotionally.

Overinflation in Roof Inspection

The initial engagement with an insurance company begins with assessing the damage and estimating repair costs. Insurance firms depend on both their internal adjusters and independent roofing contractors to verify these assessments before approving and reimbursing claims. However, an unethical roofer may exaggerate or inflate damage reports, aiming for a higher payout, a practice that is not only unethical but also potentially fraudulent. Such misrepresentations can lead to disputes with the insurance company, delay in claim processing, and even claim denial, ultimately forcing homeowners to pay for repairs out of pocket.

Bad Roofers Miss Code Upgrades

On the other end of the spectrum, an inexperienced roofer might overlook crucial details that your policy covers, such as water and ice shields, preventing you from receiving the appropriate compensation. Inadequate roofing contractors often neglect local building regulations, fail to adhere to manufacturer guidelines for material warranties, and opt for a like-for-like replacement strategy. However, if your previous roof was poorly installed or not up to code, simply replacing it in kind will leave your roof vulnerable. Moreover, building codes and manufacturer standards evolve approximately every ten to twenty years, meaning nearly all roof replacements or storm assessments will likely require code upgrades. A proficient roofer will submit supplementary requests to your insurance adjuster to ensure these additional, overlooked items are covered.

Do Not Waive Your Deductible on an Insurance Claim

When a roofer offers to waive your insurance deductible, it might seem like a lucky break at first glance. However, this practice is not only fraught with legal and ethical implications but also signals potential red flags regarding the roofer’s reliability and the quality of work you might receive. First and foremost, the waiver of an insurance deductible often treads on thin legal ice. In many jurisdictions, this practice is outright illegal. It’s considered insurance fraud because it involves submitting inflated estimates to your insurance company to cover the cost of the deductible.

Engaging in or benefiting from such arrangements could not only result in severe legal repercussions but also tarnish your credibility with insurance providers. Insurance may cancel your policy. Insurance fraud can also lead to fines, jail time and loss of license for the Homeowner and Contractor involved.

Substandard Repairs and Further Damage

Quality of work is paramount when it comes to roof repairs. A roofer lacking expertise or cutting corners can lead to substandard repairs that fail to address the underlying issues such as address the damage to the home structure or address a valley setup that is the roof cause of your roof leak issues. Poorly executed repairs can result in further damage to your home, including water damage, mold, and compromised structural integrity. Such outcomes not only require additional repairs but may also lead to complications with future insurance claims, as ongoing issues stemming from inadequate repairs might not be covered.

What a lot of bad roofers will do is just accept the initial scope from insurance, not provide their counter assesement and install your roof for that price. These roofers are not being charitable and eating the loss. They make it up by cost custting with substandard materials, rushing jobs, or skipping essential steps in the roofing process, all of which compromise the durability and integrity of your roof.

Warranty and Insurance Premium Implications

Reputable roofers often offer warranties on their workmanship. A bad roofer may provide a limited or no warranty, exposing homeowners to the risk of future expenses for repairs or replacement. A warranty from a contractor who is willing to engage in questionable practices is often not worth the paper it’s written on. When issues arise—and they likely will—getting the contractor to address them can become a frustrating and costly endeavor. If a roof is not installed per the manufacturer’s recommendations, the manufacturer will not honor the manufacturer’s warranty. Similarly, for an insurance claim, if the installation does not meet the guidelines, your insurance claim is also unlikely to qualify, resulting in the customer having to pay for the complete replacement. If one lives in a state that requires permitting for a roof, the roof may not get signed off as correctly installed which may cause problems in the future with selling or refinancing the home.

Moreover, the quality of roofing work can affect home insurance premiums. A roof that is not up to standard can lead to higher premiums due to the increased risk of damage. Conversely, a well-constructed roof can qualify homeowners for premium discounts, highlighting the financial impact of choosing the right contractor.

Never hire an Unliscensed or Unisured Roofer

Bad Roofer - Insurance Claim - Unlicensed

Hiring an unlicensed or uninsured roofer can expose homeowners to significant legal and liability risks. If a roofer gets injured while working on your property, or if their work causes injury to others or damage to neighboring properties, the homeowner could be held liable. Such scenarios can lead to costly legal battles and out-of-pocket expenses for damages and injuries. Trust is paramount when it comes to selecting a contractor for your home. Transparency regarding licenses, insurance , costs, processes, and potential challenges is essential for a successful roofing project. A contractor who starts your relationship on the premise of deception is not one you want to entrust with your home.

The Path to a Secure Roofing Project

We understand that emergencies like storms and tree damage require swift action, but it’s crucial not to hastily choose any roofer. This often leads to hiring storm chasers or unlicensed roofers, resulting in financial strain, legal issues, and ongoing stress for homeowners. Making informed and careful choices when selecting a roofing contractor is essential to protect your home, finances, and peace of mind. Homeowners should conduct comprehensive research before hiring a roofer for an insurance claim. This research should include verifying the roofer’s license and insurance, checking references, and thoroughly reviewing contracts. It’s also wise to have a solid grasp of the insurance claim process and maintain open communication with both the insurance company and the roofing contractor throughout the project.

Roof MD is a licensed, bonded, and insured roofing company with extensive experience in handling insurance claims and dealing with adjusters. We guarantee the highest quality roof and installation your policy allows, ensuring your complete satisfaction.