When it comes to roof repairs and replacements, everyone wants a good deal. But there are some contractors out there who prey on unsuspecting homeowners by promising that you can get a “free roof” through your insurance, no matter what.
Unfortunately, that’s not true. Insurance companies investigate claims to ensure that the cause of damage is covered under home insurance, and normal wear-and-tear is not covered.
Here’s how to avoid roof scams and take care of your roof so that it serves you well for many years.
How Roof Coverage Works
The first step to avoiding this type of fraud is to understand how your home insurance covers roofs.
First, for there to be an actual claim, there has to be damage, not just aging. When you report a roof claim, the insurance company will send out an adjuster to examine your roof for damage.
Secondly, if there is damage to your roof and your insurance pays for the repair, you have to pay your deductible. If a roofing company claims they can get the insurance company to waive the deductible or simply won’t charge you, they are committing fraud.
Do people commit fraud? Yes, they do. Do you want someone willing to defraud others doing work on your home? No, you absolutely don’t.
Taking Care of Your Roof
To ensure that your roof lasts a long time and you don’t need a replacement anytime soon, you can do some basic maintenance. This will allow your roof to work well and look great for many years.
Here are the maintenance steps you need to keep in mind:
- Check shingles for damage or missing shingles.
- Keep an eye out for leaks in the attic or your ceilings.
- Keep your roof and gutters clean.
- Trim overhanging trees.
- Maintain your chimney to avoid roof damage.
When you take these steps, your roof should last decades without needing replacement — unless there’s a real storm or other covered damage.
Save Money the Right Way
Instead of being taken advantage of by an unscrupulous roofing company, explore legitimate ways to save money.
For example, you can shop around to get better rates on everything from your streaming services, television package, cell phone, and insurance. Freeway Insurance is known for helping customers shop around and find affordable home and car insurance, so you could start by reaching out to them.
Another way to save money at home is by taking advantage of free energy audits that are offered by most power companies, as this can help you identify what appliances use the most energy and how much you’re spending on utility bills each month. They can also give you suggestions on how to improve your energy use, so you spend less.
Avoid Roof Scams!
Now that you know the truth about “free roofs,” you can skip these scams and avoid getting shoddy work from someone willing to defraud others.
Instead, take great care of your roof so it lasts decades, and save money in other ways. The tips above give you a great start. Enjoy your home!
