While looking for a roofing company to tackle your residential or commercial roofing job, you might have come across some roofers who claimed that they will "take care of your deductible," and you might wonder what exactly this means.
Basically, what it means is that the roofing company will not require you to pay a deductible as you might normally have to do when using your homeowners or commercial insurance to pay for the repair. This might seem pretty appealing, after all, who wants to shell out $2,500, $5,000 or even more to pay for repairs, even if the rest is going to be covered by the insurance company? But it is something that you will want to steer away from.
Roofing companies that do this type of thing cannot be trusted because they are not operating their business in a reputable manner. Insurance companies count on contractors to collect the deductible and subtract this amount from what the insurance company has to pay. A company that is willing to do this is either cheating the insurance company by inflating the cost of other expenses (such as tacking on additional labor or material charges to the estimate) or by short-changing you on work...or possibly both.
Even though it can certainly be tough to pay out-of-pocket for the cost of the deductible, it's a necessity if you want to ensure that the job is done properly and by a reputable roofing company. If you are looking for a roofing company that you can count on for all of your commercial and residential roofing needs, contact us at Midwest Roofing today.