Don’t Get Duped:

Living in Colorado, where hail storms are a common threat, homeowners often face roof damage and the complexities of insurance claims. As Colorado ranks second for hail-related insurance claims, it’s essential for homeowners to understand their insurance deductibles and avoid falling victim to fraudulent contractors. Here’s what you need to know to protect yourself.

Understanding Your Responsibility as a Homeowner

As a homeowner, you’re responsible for paying your insurance deductible when your roof is damaged. Be wary of contractors who offer to cover or waive your deductible—this is illegal in Colorado. It’s important to work with contractors who respect your insurance terms and ensure compliance with state laws.

What You Need to Know About Colorado’s Roofing Law

The Consumer Protection/Residential Roofing Bill (C.R.S 6-22-101 to 6-22-105), enacted in 2012, was created to protect homeowners from fraudulent practices. This law explicitly bans contractors from offering to pay or waive your deductible using incentives like coupons or rebates. Additionally, insurance companies are not required to consider estimates from contractors who offer to waive the deductible. Contractors who do so may face legal consequences and liability.

Beware of Fraudulent Contractors: The Storm Chasers

After a storm, “storm chasers”—fraudulent contractors—often target homeowners with offers of free inspections and repairs. These individuals may pose as insurance representatives or offer deals that sound too good to be true. Be cautious of unsolicited offers, as these contractors often perform substandard work and disappear with your insurance money. Always expect prior notice from your insurance agent before any inspection.

Why a Signed Contract is Essential

Before any roofing work begins, make sure you have a signed contract with the contractor. This contract should clearly state that the contractor cannot waive your deductible, either in full or partially. It should also outline:

• The costs for known damages
• Approximate service dates
• Proof of liability coverage
• The contractor’s cancellation policy
• Contact information

How to Avoid Deductible Scams

Staying informed is your best defense against scams. Here are steps you can take to protect yourself:

• Consult Your Insurance Agency: Understand your coverage and expectations before hiring a contractor.
• Verify the Contractor: Research reputable roofing contractors through trusted sources.
• Request References and Proof of Insurance: Ensure the contractor is properly licensed and insured.

Why Choose ECO Roof and Solar?

At ECO Roof and Solar, we prioritize transparency and compliance with the law. We work closely with homeowners and insurance agents to provide fair and honest roofing solutions. You can trust us to handle your roof repairs correctly, within legal boundaries, and with your best interests in mind. Protect your home and your wallet by staying informed and choosing a trusted contractor like ECO Roof and Solar.