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Something nearly all San Antonio homeowners knew from first-hand knowledge has just recently been confirmed by a state insurance corporation: the April 12 hailstorm was the costliest in San Antonio’s long history. The $1.36 billion in hail damage to vehicles, businesses and homes includes millions of dollars needed for hail damage roof repairs and roof replacement. With these repairs come insurance claims, and questions from business owners and homeowners about their policies and deductibles.
Waiving Deductibles?
After just about any major storm, some less-reputable roofers solicit business in hopes of getting quick payouts while providing substandard work. One common ploy is to offer to absorb the homeowner’s deductible—the cash payment the homeowner pays out-of-pocket before the insurance company pays for the rest of the claim. Roofers who offer to “waive” or absorb this deductible are breaking the law.
Roofing contractors are not really “waiving” any money, either, of course, because they are funneling insurance money back to the homeowner while simply adding that “free” deductible expense to the insurance claim.
Process
Insurance claims these days are dispersed in segments, making such “waivers” difficult. The quality roofing contractor knows money will come from an insurer and, usually, the mortgage company. The work has to be completed to a level that satisfies an inspector from the mortgagee. This process protects everyone: homeowner, roofer, insurance company and mortgage company.
Quality
Consider the mindset of a roofer willing to compromise on the law (committing insurance fraud). Is this someone who will cut corners on your new roof, or replace quality roofing materials with junk? Is this someone you trust to work on your roof?
At BELDON® Roofing Company, we believe in corporate and personal ethics not just because it’s the law, but because it’s the right thing to do. We may lose a few customers eager for “a deal,” but we really do not want those customers anyway. We prefer to work with honest, hard-working Texans who understand the value of a dollar and a day’s hard work.
BELDON® Roofing Company can perform expert roof repair and roof replacement on your home or business, working with insurance companies, mortgage holders and you, the property owner. We have expert crews who constantly receive training in current best practices. We use superior materials from the best manufacturers. It is simply the way we have always done business. If you need roof replacement or repair from hail damage, contact our offices today.
