No More “Free Roof” or Rebates for Insurance Deductibles

Very common situation.
Imagine one day the partner declares and the storm is ongoing. The size of softballs can damage the roof while attacking your home or business. Unfortunately, this is a very common fact in Texas. Very soon, a group of roof repair agents feels very good if "no deduction", "zero deduction" and even the "no roof repair" discount are true to enter your neighborhood, which is likely!

While this offer may be tempting, many property insurance policies can deduct $ 1,000 or more, but this "discount" is misleading. Many homeowners even spend additional savings if the landlord agrees to put a roof ad in their yard.

Under current Texas law, it is illegal to pay qualified expenses and is potentially responsible for insurance owners' fraud. As the situation after the law, 30 years in place?


Proof of payment requires an insurance deduction.
Until recently, no less evidence of money was required. It is hollow with respect to roofing contractors. Now Governor Greg Abbott signs a bill that requires property insurance owners to pay the required deductions in their pocket. In fact, the insurance claim may refuse to pay "all holders of the insurance deduction invoice do not receive a reasonable proof of payment." The proof may include a canceled check, a mini receipt order, a credit card announcement or a copy of a payment plan. Agreement If the owner refuses to pay the mandatory deduction rents, exchange of tikserha. This law (Hemoglobin 2102) begins to be amended in September 2019. This will affect all coal contractors and property owners in Texas, and will replace roof damage. You can get information on roof insurance coverage here.

What is the result of the edition?
First, this revised law takes important measures to reduce insurance fraud and regulate the cow industry. Bring apple and roof to hurricane and storm scams in Texas. Coulee companies spend less time experiencing the challenge of promoting the roof of law enforcement and promoting storm "free roofs."

Second, it is important to understand where these illegal savings come from. Offering a smiling smile from a door-to-door winch is free and can cost anywhere. This usually results in poor quality repairs, salaries and shortcuts of roofing materials.

If he is able to pay a small sum for his fast, he will continue to work for the deduction amount. Instead, the need to pay for repairs is greater than that. Reducing the cost of haircuts can help the insurer recover money and ultimately increase the cost of home and car insurance. We cannot underestimate this!

But more importantly, for the necessary legislation, the party paying the bill is no longer subject to legal penalties. Instead, contractors now bear the burden of responsibility, and the law requires every umpire to be charged with a crime. The retreating class is sentenced to 180 days in jail. District and $ 2,000 fine.

While this new law is certainly a step in the right direction, homeowners and the insurance companies that use it do not end bad habits. In an attempt to break the law, local roofing companies made loans. Another common inspection is to pre-fix the roof tiles and disappear after the work starts. It is important for policyholders to stay safe with their insurance agents and follow the right side of the law before approving repairs.

Find out more about homeowners insurance and whether or not your authorized hammer dealer can help you today. Our 25 years of experience gives us the unique advantage of representing many property insurers, enabling you to compete, decide and save!

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