After a storm, some roofing contractors try to win new business with tempting offers, including promises to waive or rebate your insurance deductible.<\/p>\n
But according to Florida law, that\u2019s insurance fraud, and it\u2019s classified as a third-degree felony.<\/p>\n
\u201cAny contractor who offers to cover or refund your deductible is breaking the law,\u201d said Jennifer Richards<\/a>, owner of All Area Roofing in Fort Pierce. \u201cIt\u2019s one of the clearest red flags homeowners can spot. If they\u2019re willing to commit insurance fraud, what other corners might they cut?\u201d<\/p>\n 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.<\/p>\n All Area Roofing recommends these steps to stay compliant and protect your home and wallet:<\/p>\n Don\u2019t accept \u201cfree roof\u201d 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\u2019s license through the Florida Department of Business & Professional Regulation.Report suspicious activity to the Florida Department of Financial Services\u2019 Fraud Hotline.<\/p>\n \u201cMost Florida roofers are honest professionals who work hard to protect homeowners,\u201d Richards said. \u201cUnfortunately, a few bad actors give the industry a black eye, and that\u2019s why consumer education is so important.\u201d<\/p>\n 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<\/a> at 1-800-378-0445, don\u2019t sign anything until you verify the offer, and always check your contractor\u2019s credentials.<\/p>\n