If a roofer advertises or offers a free roof this is insurance fraud and you as a homeowner can end up getting punished for a dishonest roofer s fraud.
How to get a free roof from insurance.
In most cases you can use the roofing company of your choice.
There are a few ways roofing scams may be presented to homeowners.
If your roof is more than 10 years old you may want to hire a roof inspector who can check for any damage and areas that need repair.
A roofer might offer to pay your deductible.
Common reasons for denying a roofing insurance claim are.
However these programs are often limited in funds and can take months before any money is paid to homeowners.
Federal programs such as fema help homeowners fund the cost of repairs after a natural disaster.
The roofing material is faulty so it is the manufacturer s fault.
A free roof probably sounds too good to be true and the truth is it is.
Other insurance policies only offer coverage on the depreciated value of the roof whether it is newer or older while some policies offer full repair or replacement costs for the damaged areas in spite of its age.
If you think your roof may have been damaged by hail wind or storms and you have homeowners insurance you may qualify for a free roof.
Look online for roofing companies or a roofing contractor that does free roof inspections.
Know that a roof insurance claim is a long process.
And always consult with a public adjuster or your insurance adjuster if you are unsure about any step of the roof insurance claim process.
There are many grants available for people who are experiencing financial troubles and have a roof in need of replacing.
The insurance carrier then places a decreased value on a roof before damage has taken place.
The roof wasn t installed properly so it is the roofer s fault.
Single family housing repair loans and grants.
Your roofing contractor should be able to help you navigate your way through the roof insurance claims process.
The roof wasn t maintained loose flashing or a cracked vent.
If a member of your household receives supplemental insurance income or aid to families with dependent children you are automatically eligible for the weatherization assistance which can provide government grants for roof replacement.
That s the good news.
Take photos of your roof so you have them on file in case of any damage.
A typical all perils homeowners insurance policy does cover your roof and the cost of replacing it if it gets damaged.
This is the most common reason and the next reason is the second most used excuse.
If your roof is damaged take a set of after photos to document the damage and submit it to your insurance company.
A roof insurance claim can feel like it is taking forever especially if the roof damage is impeding your ability to do business.
