In the wake of the recent storms that devastated hundreds of homes in the area, hundreds of roofing companies from around the country will begin to pour into your area and begin the process of high pressure sales and bidding of this project. Please be sure to look for the following when considering the company you choose to contract with.
Is the company your choosing a local company?
If so, ask to see literature with a physical address to their office and or company location. If they are not local, who will be around to warranty your roof in the future if any problems were to arise?
Ask to see local references of past roofs they have successfully completed.
Become familiar with the location of their local offices and local business or trade references. Ex: Banking, local vendors, etc.
Is the company your choosing insured by General Liability insurance?
If they are not, did you know if there were to be any accidents on your roof (roofers falling, feet stepping through your ceiling sheetrock, interior water damage due to improper water tightness during construction of your roof, or damage to your property or AC lines) you will be left 100% responsible to the cost of repairing the damages. If the company you choose IS NOT insured you are completely exposed to potential law suites by roofers if any bodily injury were to occur on your property. If the company you choose IS COVERED by General Liability insurance, ask to see a copy of their CURRENT insurance policy and then CALL AND VERIFY the coverage is in their name and in full effect.
Be aware, this is a viable issue. Past sales reps for SPS have taken our GL insurance policy, whited out our name, inserted their name and used that to show proof of coverage to their new customers. Don’t let this happen to you.
Is the company your choosing offering to “cover your deductible”?
Did you know that is illegal in the state of Texas for a contractor to cover the deductible on an insured claim and can result in a felony charge on both the insured and the contractor? If a contractor is willing to “cover your deductible” and break a law, as detailed below in the Chapter 35 insurance fraud section, is the contractor your choosing a contractor of integrity and one that will be around in the future to stand behind his warranty of your roof and offer you a quality roof? Keep in mind the very moment the contractor offers an invoice that is inflated and showing a false amount actually charged for the roof, the roofer has committed insurance fraud. When the homeowner/insured knowingly issues that false invoice to the insurance company for issuance of funds to pay contractor, the homeowner has now committed insurance fraud. In addition the homeowner has committed collusion (which means conspiring to perform an illegal act). If the SIU Department performs an audit on your insurance policy, which is very common with this magnitude of claims in one area, you/and or your contractor could be found guilty of a felony of insurance fraud.
Visit the Texas Department of Insurance for more information. Be very cautious in the decisions you make during the process of your claim on your roof.
Please visit www.freeroofscam.org/examples/ for more information on making an educated decision on who you contract with in the re-roofing project of your home or property.
We pray this information will be helpful to you in the decision making process. If you have any additional questions or comments please call our office at (940)566-6321. Our representatives are on standby to assist you in any way we can.