Don’t Get Duped:

The Truth About Roof Damage and Insurance Deductibles

Living in Colorado, a state notorious for its hail storms, means dealing with roof damage and navigating insurance claims is a common concern. With Colorado ranking second for hail-related insurance claims, it’s crucial for homeowners to understand their responsibilities regarding roof damage and insurance deductibles, especially to avoid falling victim to fraudulent contractors. Here’s what you need to know to protect yourself.

Homeowners and Deductibles: Know Your Responsibility

As a homeowner, you are responsible for paying your insurance deductibles. Be cautious of contractors who offer to cover or waive your deductible, as this practice is illegal in Colorado. Instead, seek out contractors who are willing to work within your insurance terms to ensure compliance with the law.

Understanding Colorado’s Roofing Law

The Consumer Protection/Residential Roofing Bill (C.R.S 6-22-101 to 6-22-105), enacted in 2012, was designed to safeguard homeowners from fraudulent practices. This law explicitly prohibits contractors from offering to pay or waive any part of your deductible through incentives like coupons or rebates. Additionally, insurance companies are not obligated to consider estimates from contractors who propose to waive the deductible, and those contractors risk legal action and liability.

Beware of Fraudulent “Storm Chasers”

After severe storms, fraudulent contractors, often referred to as “storm chasers,” may approach homeowners with offers of free inspections and repairs. These individuals might even pose as insurance representatives. Be wary of these unsolicited offers, as such contractors often perform substandard work and disappear with your insurance money. Insurance agents should educate their clients to be cautious and to expect prior notice before any inspection.

Importance of a Signed Contract

Before commencing any roofing work, homeowners must have a signed contract with the roofing contractor. This contract should clearly state that the contractor cannot waive the deductible, either partially or in full. It should also detail the scope of work, including:

  • Costs for known damages
  • Approximate service dates
  • Proof of liability coverage
  • Cancellation policy
  • Contact information

Tips to Avoid Deductible Scams

Staying informed is your best defense against scams. Here are some steps to take:

  1. Consult Your Insurance Agency: Before hiring a contractor, get a clear understanding of your insurance coverage and expectations.
  2. Verify the Contractor: Use trusted sources to find reputable roofing contractors.
  3. Request References and Proof of Insurance: Ensure the contractor is licensed and insured.

For reliable and honest roofing services, consider ECO Roof and Solar. We collaborate closely with homeowners and insurance agents to provide fair and transparent roofing solutions. Our commitment is to ensure your roof repairs are done correctly and within legal boundaries, giving you peace of mind after a storm.

Protect your home and your wallet by staying informed and choosing reputable contractors like ECO Roof and Solar.