Roof Deductibles and You.

$

When you chose your homeowner’s insurance policy you signed a contract with your insurance carrier. They agreed to cover you based on the policy you selected. You agreed to pay your premiums and if a claim is approved you agreed to pay your deductible. It’s that simple.

When a homeowner asks a roofing contractor if the contractor can waive the deductible, that is an invitation to insurance fraud.

Any contractor offering to waive/manipulate your deductible is inviting you to commit insurance fraud.

  • Do you really want to do business with a contractor that is willing to break the law?
  • Where else will that contractor be tempted to cut corners and work without integrity?
  • Is that the company you want on your roof that protects your home and your family?

Three to twelve months in prison and/or fines of $250 to $1,000 for committing insurance fraud.

Expandable Button

“These storms also bring with them “storm chasers,” otherwise known as fraudulent roofing contractors. These contractors prey on homeowners following a major storm event and take off with their insurance money. A common tactic for these contractors is the promise of waiving any applicable insurance deductibles and a cost-free roof. That is why Colorado implemented Senate Bill 38, otherwise known as the Consumer Protection/Residential Roofing Bill, which is designed to protect consumers and insurance companies while regulating the residential roofing industry.

The bill explicitly states that it is illegal for a roofing contractor to pay, waive, or rebate a homeowner’s insurance deductible. An insurance deductible is an amount that an individual must pay out of his or her pocket before the insurance company will pay the rest of the claim. When a roofing contractor promises that he or she will cover a homeowner’s deductible, it means that a roofing contractor will try to pay, waive or rebate an insurance deductible for the roofing work so the homeowner will not have to personally pay the deductible.”

Read more about this law here.

We know there was a recent period with little hail but weather can be unpredictable like that. Colorado can get so many hail storms that it can bring “storm chasers” to the state. We are going to borrow a couple of paragraphs from the Colorado Roofing Association’s website here:

Historically the Colorado front range gets a lot of hail.

FINANCING

If the size of your deductible is too big we have a solution. It is relatively easy to get approved for financing. That big deductible could turn into a budget-friendly monthly payment. Plus if you get approved for financing you could use this opportunity to upgrade your roof or your warranty.

Really smart homeowners take this opportunity to discover if solar is right for their home. Often we can roll the price of your deductible (or even the entire new roof) into the solar financing.

Additional Roof Resources

Valor’s Service Area

  • Golden

  • Greeley

  • Greenwood Village

  • Highlands Ranch

  • Indian Hills

  • Lakewood

  • Lafayette

  • Littleton

  • Lone Tree

  • Longmont

  • Louisville

  • Mead

  • Morrison

  • Niwot

  • Northglenn

  • Parker

  • Roxborough

  • Superior

  • Thornton

  • Westminster

  • Wheat Ridge

  • Arvada

  • Aurora

  • Bailey

  • Boulder

  • Broomfield

  • Brighton

  • Castle Pines

  • Castle Rock

  • Commerce City

  • Conifer

  • Dacono

  • Denver

  • Edgewater

  • Elizabeth

  • Erie

  • Evergreen

  • Firestone

  • Fort Collins

  • Franktown

  • Frederick

  • Genesee

  • Glendale

Menu
About
Valor Solar Why Solar? Solar FAQs GAF Solar Roof
Valor Roofing Roof Repair Roof Installation Roof Insurance Guide Roof Deductibles Roof Warranty Signs of Storm Damage Maintenance

We are excited to help you. Learn more about Valor’s services below:

Valor

Roofing

Solar

Want to learn more about our services and schedule an appointment? Simply fill out the form below, and our team will reach out to you shortly. We're excited to connect with you!

Call us Now

303-770-ROOF

Write Email

customerservice@valorroof.com

Address

12344 W. Alameda Pkwy, suite 200,
Lakewood CO 80228

Schedule

Monday to Friday:
8:00 am – 4:00 pm

Get in Touch

Check out our socials:

Animated Arrow