Roof Replaced with Insurance

Things Homeowners Should Know about Insurance Deductible

A  Deductible is every Homeowner’s financial responsibility. When filing a homeowner’s insurance claim for a roof replacement, every homeowner should understand that there will be an insurance deductible that will need to be paid in full by the homeowner. A deductible is the homeowner’s financial responsibility after the roof has been approved for a replacement or a repair.



All the balance that the insurance company is giving towards the roof replacement belongs to the roofer who is performing the replacement. Therefore, as soon as the replacement is completed the homeowner is obligated to pay the roofer both insurance checks plus a homeowner’s deductible. Unfortunately, we had customers who after receiving the first insurance payment, start searching for multiple roofing quotes from different roofers. The reason for that is they plan to keep some of the roofing money and go with the cheapest quote. However, it is considered insurance fraud and can be penalized.

Very often we get customers asking if they could get their roof replaced without paying the deductible. Unfortunately, the answer to that question is “No”. The deductible needs to be collected in order for us to proceed with the roof replacement.

Today it is easy to find roofers that will offer their customers a new roof without collecting the deductible payment. However, they are not doing the homeowners a favor by not collecting the deductible. Most of the time, these types of roofers will cut corners and cheap out on the roof materials, which will eventually become a problem for the homeowners in the long run.

The roofers who are not collecting the deductible are also committing insurance fraud. When homeowners hire a roofer who offers them a roof without collecting the deductible they are automatically taking part in a crime.



If you live in Kissimmee, FL, or surrounding areas and you’re in need of a reliable roofing company, give us a call today! Legion Roofing and Construction is a certified roofing company in all Central-Florida with many years of experience, where we handle all our roofing claims properly and follow the guidelines of all insurance companies.

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