What to Do When Your Roofing Contractor Suggests Unethical Practices During Insurance Claims from Cory Lemoine's blog

When it comes to roof insurance claims, ethical practices are paramount for homeowners and contractors alike. Unfortunately, some roofing contractors may suggest unethical practices during the claims process, putting homeowners at risk. Did you know it's illegal for a roofing contractor towaive your insurance deductible?

It's true, and the law has been in place since September 2019. As harmless as the practice seems, it's still illegal, and homeowners must be informed when dealing with roof repairs and insurance claims.

Recognizing Unethical Practices

Unethical practices in roofing insurance claims can take various forms. Some common red flags to watch out for include:

1. Inflating damage estimates: Contractors may exaggerate the extent of damage to increase the claim amount.
2. Suggesting unnecessary repairs: Proposing work that isn't required to inflate costs.
3. Offering to pay or waive deductibles: This is illegal in Texas and can lead to insurance fraud.
4. Pressuring for immediate decisions: Ethical contractors allow time for informed decision-making.

As a homeowner who may eventually need roofing services, you need to be aware of these tactics to protect yourself and ensure a fair claims process.

Steps to Take If You Suspect Unethical Behavior

If you encounter a contractor suggesting unethical practices during your roof insurance claim, take the following steps:

1. Document Everything

Keep detailed records of all interactions, including dates, times, and the content of conversations. This documentation can be invaluable if you need to report the contractor or dispute a claim.

2. Seek a Second Opinion

Don't hesitate to get another professional assessment. A reputable roofing company like Elevated Roofing can honestly evaluate your roof's condition.

3. Communicate with Your Insurance Company

Inform your insurance provider about your concerns. They can guide you through the proper procedures and may even send their own adjuster to assess the damage.

4. Report to Relevant Authorities

If you suspect fraud, report it to the Texas Department of Insurance at 800-252-3439. They take these matters seriously and can investigate further.

5. Consider Legal Consultation

Consult with a property damage attorney who can advise you on your rights and potential courses of action in complex situations.

Choosing an Ethical Roofing Contractor

To avoid unethical practices, choosing a reputable roofing contractor is crucial. Here are some tips to help you:

●     Research and verify credentials

●     Check reviews and references

●     Look for industry certifications, such as recognition from the Roofing Contractors Association of Texas

Final Thoughts

Navigating a roof insurance claim can be challenging, but being aware of potential unethical practices empowers you to make informed decisions. Remember, ethical contractors like Elevated Roofing prioritize your best interests and adhere to legal and industry standards. As a local, licensed, and fully insured company, we're committed to ethical practices in all our dealings.

Consider our comprehensive roofing services for your next project or maintenance needs, and experience the peace of mind of working with a trusted professional.