After a storm, some roofing contractors try to win new business with tempting offers, including promises to waive or rebate your insurance deductible.
But according to Florida law, that’s insurance fraud, and it’s classified as a third-degree felony.
“Any contractor who offers to cover or refund your deductible is breaking the law,” said Jennifer Richards, owner of All Area Roofing in Fort Pierce. “It’s one of the clearest red flags homeowners can spot. If they’re willing to commit insurance fraud, what other corners might they cut?”
Under state statute, homeowners are responsible for paying their deductible directly to their contractor or insurer. If a contractor manipulates the paperwork to offset that cost, both parties could face legal trouble, including fines, loss of license, or criminal charges.
All Area Roofing recommends these steps to stay compliant and protect your home and wallet:
Don’t accept “free roof” offers. Any deal that removes or reimburses your deductible is illegal.Request a detailed written contract that clearly lists your out-of-pocket costs.Verify the contractor’s license through the Florida Department of Business & Professional Regulation.Report suspicious activity to the Florida Department of Financial Services’ Fraud Hotline.
“Most Florida roofers are honest professionals who work hard to protect homeowners,” Richards said. “Unfortunately, a few bad actors give the industry a black eye, and that’s why consumer education is so important.”
If you suspect a contractor is offering to waive or rebate your insurance deductible, play it safe. Reach out directly to the Florida Department of Financial Services Fraud Hotline at 1-800-378-0445, don’t sign anything until you verify the offer, and always check your contractor’s credentials.
For more professional advice and homeowner resources, visit All Area Roofing’s website.
This article is sponsored by All Area Roofing & Construction, a fully licensed, insured, and bonded roofing company serving Florida’s Treasure Coast and Palm Beaches.