re: Roof replacement Deductible

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Mine was $1500. Roofer worked it in.

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And this is why insurance companies will stop offering full replacement on roofs and why they're yanking roofers licenses around here .

So much fraud in this thread. SMH

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The roofer can not pay your deductible.

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Nobody said anything about "paying" the deductible. They said "reduce" your deductible. Big difference.

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Nobody said anything about "paying" the deductible. They said "reduce" your deductible. Big difference.

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Not really. To "reduce" your deductible, means the roofer gave you an inflated estimate to submit to your adjuster to pay. Then offsets the deductible by doing the work cheaper than he quoted your insurance company for. Still fraud.

Only way its not fraud is if the insurance company paid you based on their adjuster's estimate and you found someone to do the work cheaper than the adjuster's own estimate was for. But insurance companies usually hold back "recoverable depreciation" until after you've either submitted a signed contract or paid receipt from your contractor. If you get the work done cheaper, you won't recoup the depcriation that was held back.

My current claim is $5008

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By the way, if a roofer offers to lower your deductible in any way, it’s insurance fraud

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Found the insurance adjuster

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For those who have gotten a new roof after storm damage. What was your insurance deductible?

Looks like ours is around $3600. Is this around the average?

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That's almost exactly what we paid for my mom's roof a couple months ago. Before Francine.

That’s insurance fraud

We had a bad hail storm come through earlier this year and pretty much everybody in my area had to get a new roof. I paid a roughly $5,000 deductible for mine, which was a 20 year old roof. (Full replacement value). I called my agent about it and he told me my only other choice was to go to a $1,000 deductible, but if a NAMED storm came through and did damage, the deductible would be $10,000.
I also had to handle my mom’s claim (Traveler’s insurance). She lives less than a mile from my house. Her insurance co had a $1,000 deductible. However, the adjuster showed up with 2” fingernails, no ladder, and never even got on the roof. She flew a drone over the house and the report came back 16 squares of shingles short! After FOUR adjusters were assigned to her claim, I finally got one that would listen to me about the incorrect square count. She had me measure the width of one of the garage doors and “re-scaled” their satellite measurements. Guess what? They were 16 squares short.
I didn’t like paying ALFA $5,000, but if I hadn’t stayed on top of Traveler’s, my mom would have wound up paying nearly $8,000 for her roof instead of $1,000. The insurance co makes a big difference in my opinion.