re: Need help haggling with liberty mutual after a hail storm (Long) - iwyLSUiwy shoutout pg 2

Legally speaking, you have to pay the deductible. Based off your information provided, the most insurance should give you is $8,700. Which is assuming you have recoverable depreciation in your policy.

The Roofer's quote should have included total cost, even if sub-contracted. The roofer's normally work directly with insurance as well and you should not be involved much. If you insurance gave you a number, you should have choose a roofer that will do it for that price.

There are ways to negate the deductible, but technically you should be prepared to pay it. That is what you signed up for with your insurance company. The only "legal way" to help in the deductible is be your own contractor, which means doing the work yourself. Insurance pays out supplies, labor and profit. You can be the labor and profit.

Last Spring I had $46,000 of roof and hail damage done, with a $2000 deductible (fixed rate ). I ended up only out $1400, but I technically paid my deductible. Insurance considers you whole once they cut you the check, they do not care who does the work. If you have recoverable depreciation or a very large cost, you will need to provide proof of work being completed to get all money.

Any roofers claiming you will not pay deductible are running scams. A lot of people use them, but it is still a scam and illegal in some states.