Roofing insurance fraud scams

If you have lived within the Houston southeast metro Texas area for any length of time, you have surely encountered at least a hail storm or two. This post provides some useful information to help you steer clear of the door-knocking, storm chasers so prevalent during these times it is important for homeowners to be aware of roofing scams and insurance fraud issues that can come back to haunt you later.

If your home is ever hit with a hailstorm, you will notice that within hours of the storm, roofing contractors and “storm chasers” will show up in your neighborhood knocking on your door claiming that your roof has hail damage and offering to help. You will also find them also claiming that your roof can be replaced for free with a roofing insurance claim.

These storm chasers will often leave flyers on the doors of the homes with their contact information etc.. if the homeowner is not home. These types of companies are called roofing storm chasers and are often come from out of town as well. Some of these out of town storm chasers roofing contractors will even go so far as to contract with local roofing companies paying them commissions to use their local roofing company name.

Is Covering Your Ductable Illegal?

The storm chasers will often offer to cover your insurance deductible for you. Many homeowners want to make sure this is not illegal or committing insurance fraud. I can assure you it is illegal; however, there are some gray areas to be aware of on this subject. There are two mainly predominant ways these types of roofing fraudulent insurance scams have played out over the years, the first way being by submitting a “Fake Invoice to the Insurance Company“. A roofing company charges the homeowner one amount for roof the replacement, for example, in this case let’s use $9,000, then once the job is finished, the homeowner submits the roofing company’s revised receipt or invoice to his insurance company showing the higher amount of $10,000 which covers the $1,000 deductible (so they are not covering your deductible but the insurance company is!). The insurance company is being told that you paid $10,000 to replace your roof which you paid $9,0000 for. They keep the $1,000 for the deductible and send the $9,000 reimbursement to you or the roofer, you don’t have to pay the $1,000 out of pocket and the roofing company gets the insurance money.

This all seems like a nice winn-winn for both you as the homeowner and the roofing company who installed the new roof, right? WRONG! This roofing company and you as the customer/homeowner could end up in hot water by your insurance company for insurance fraud. if you fell for it and find out later you have been scammed, you might not only could have charges against you but lose your homeowner’s insurance! The truth of the matter is, your roofing company and yourself as the homeowner have participated in deceiving your insurance company for financial gain.

The second way is a “Yard Sign Advertising Reimbursement“. Your roofing company bills you as the homeowner for the full replacement value of the roof at the maximum amount that the insurance company will pay for replacement.  A “change order” is then used to reduce the final price to the consumer/homeowner in an amount that is now equal to the deductible.  The homeowner in return now agrees to advertise for the roofing company by displaying a yard sign for their services in the front yard of their home. In short, the insurance company is paying the deductible costs by being are misled with yet another roofing scam and insurance fraud situation that the homeowner fell for and is the one who will ultimately pay if caught.

Helpful Links About Roofing Insurance Scams and Licensing Requirements By State

The BBB Texas – BBB Roof Deductible Storm Chasers Could Be A Bad Idea

The Dallas Morning News – Beware Local Roofing Scams

Insurance Journal – Roofing Contractor Fraud

Roof Help – State Licensing Requirements

So, there you have it. The best thing that you can do to protect yourself from getting a fraud count against you and/or losing your homeowner’s insurance is to stay clear of any roofing storm chasers and their insurance claim scams by remembering that honesty is the best policy. This way you or your insurance company will not ultimately have to pay in the end. Pay your deductible, be grateful the insurance company is covering the major portion of your roof replacement and find a local Texas roofing company with references that are honest. As you can see that there is a lot of gray areas on this subject.

A $7,500 Roof Replacement Job = $75 A Month!

Are you and your family considering replacing your roof? Is your home more than 12 years old and still with its original roofing shingles? If so, Texas Home Exteriors has an exciting, easy financing option for you to help you quickly replace that old leaking roof!

We recommend you always call around and get roofing estimates from several roofing contractors before you make a decision on a contractor for a roof replacement on your home, whether in the Houston, The Woodlands, or Spring, Texas metro areas or other locations, be sure as you contact and meet with the various roofing contractors. to ask them about their FINANCING OPTIONS. Here at Texas Home Exteriors, we offer a an easy financing option we know you will love.

How Does Texas EZ Pay  Roofing Financing Work?

Texas EZ Pay provides homeowners with a 1% monthly payment. For example, let’s say your entire roof needs to be replaced, and you’ve decided to go with Texas Home Exteriors, if your roof was bid to cost $7,500, with our Texas EZ Pay financing option, the monthly payment for your new roof would cost $75 per month.

So, rather than using money from your personal reserves, you have the option to take advantage of our 1% monthly payment option and spread out the cost!

No Liens – No Closing Cost  – Instant Approval

To get your new roofing financing started, all you need to do is to simply click on the link below, fill out the form and submit it and we will have an instant approval for you. For your protection we use an SSL encryption so others cannot see your personal information. 

The financing paperwork will then be presented to you providing you with the opportunity to review the 1% Texas EZ Pay option and decide whether to accept or decline the financing option. With Texas EZ Pay Roofing financing, there are no closing costs, no liens will be placed on your home and most often, instant approval.

When Texas Home Exteriors comes out to your home for a free roofing estimate, there is no pressure for you to sign anything. We want you to feel comfortable that you made the right choice as your roofing contractor. When we come out to bid your new roof and let’s say the price is $6,500, that will only cost you a $65 a month payment with instant approval with Texas EZ Pay!

Roofing Contractor Shingle Financing Options Presented to You By Mr. Richard Smith

Mr. Richard Smith and his wife Kosy of Texas Home Exteriors Roofing Pro Rep

Know that with Texas Home Exteriors, no stranger will be showing your at your door.  Texas Home Exteriors roofing specialist Richard Smith not only has over 30 years of experience in the roofing contractor industry, but has witnessed many roofing companies coming and going right here in Houston Texas.

Richard has installed well over 1,000 roofs in the greater Houston TX metro area and he knows his stuff!  Richard knows exactly what to look for during your new roof installation with best roofing practices. He will be there to assist in overseeing the crews and ensure your roof is installed correctly to our standards with fully warrantied roofing material.

Our roofing contractor crews respect Richard with his extensive knowledge because they know he is experienced and well-educated and keeps up on the latest roof options and methods. Richard will show you a variety of roofing cost options and explain the details of our roof system installations. He will also explain and provide you with additional roof options for consideration such as, ridge vents, flashings, shingles, algae streak resistant shingles and more!

What type and color of roofing shingles are you thinking of using on your home? When Richard comes out, he will present you with some exciting shingles and options to choose from.  For instance, he will bring actual samples of a variety of roofing shingles and patterns manufactured by GAF, a leader in the roofing industry which shingles that come with a lifetime warranty. Richard Smith will show you the roofing shingle options available for you to choose from for the Houston Texas metro area climate.

GAF Timberline Roofing Shingles and Texas 1% EZ Pay

GAF Timberline Lifetime Roof Shingle Houston TX

If you are in need of a professional roofing contractor in the Houston Texas metro area, like Texas Home Exteriors, please fill out and submit the form below and we’ll arrange for Mr. Richard Smith to contact you and come out to your home at a convenient time for you.

Richard will present options and provide you with a detailed roofing replacement estimate. We make it simple with our 100% Texas EZ Pay Roofing Financing for your Houston TX metro area home!

Thank you from all of us here at Texas Home Exteriors. 

Free No Pressure Estimate