Definition: An Insurance Deductible is the amount the insured is required and obligated to pay by the insurance policy. The deductible is chosen by the insured, and is usually applied to coverage’s, such as comprehensive. Insurance companies usually have a 1% deductible, however 2% deductibles are also acceptable. Generally the lower the deductible, the higher the insurance premium.
A common theme in the roofing industry is the question, “Can you absorb my deductible?” Several roofing contractors will offer to absorb the deductible in order to get the job. This is an illegal process, and is considered insurance fraud by both the insured and the contractor. Roofing installation companies may create a fraudulent invoice for work not performed, and uses the additional funds to ‘cover the deductible’. You, as the homeowner, will not only be a party in committing insurance fraud, but you will also not get the full scope of work paid for by the insurance company. Brothers Roofing is committed to upholding the integrity of the roofing industry, and will continue to work ethically even if it means passing on work that involves unethical and illegal practices.
Brothers Roofing strives to make your re-roof process as easy as possible. We try to take the hard work out of the project for you. For your convenience, below you will find links to the claims departments of most major insurance companies along with phone numbers for the claims department. It’s important to call your claims department rather than your agent. Brothers Roofing will work with most insurance companies for your roofing repair or installation project.