Yes, You Have To Pay Your Deductible For Roofing Claims

Do you have to pay your insurance deductible? It is a question that confuses many homeowners, and Stonewater Roofing hears it often. In nearly every situation, the answer is yes.

Most people have not needed to make a roofing or home repair claim with their insurance company, but may have done so with their car insurance. It’s a very similar process. You have a set deductible for your car insurance. Then, when you get into a fender bender, you can take your car to the shop. You pay your deductible, the shop fixes your car, and you get your car back.

The same thing occurs with the roofing insurance claim process.

In most states, including Texas, homeowners are required to pay that deductible. However, many roofing companies will offer to absorb the cost. This is illegal. You should not trust a company that is breaking the law.

But also, if a company does not ask you to pay your deductible, where does that money go? It is likely coming out of the materials or the quality of the roof that they are installing on your home. “You want to be careful with your contractors,” stated Stonewater Roofing COO and co-owner Jacob Law. “Make sure that everybody is doing things above board and the correct way, not only by you, but also the insurance company and state regulations.”

Most contractors understand how a deductible payment can impact a family after a storm. They will likely offer financing options to cover the deductible and minimize the hardship.

In summary, yes, your deductible does need to be paid. Make sure that you hire a contractor who understands this and can guide you through the process the correct way.

Stonewater Uses Only The Best Roofing Materials From GAF

Do not get sold by sales tricks. Choose a company that uses only the best materials from GAF, the nation’s largest roofing manufacturer.

Go ahead and ask your roofing contractor if they are going to use GAF materials. See if they don’t try to sell you on something that is supposedly “better” (actually just cheaper for them). If they are using GAF materials, be sure to find out if your roof will have a full GAF system: synthetic underpayment (not black felt paper), real starter shingles, leak barrier protection and attic ventilation.

If it is not a full GAF system, you will not get the GAF Wind Proven Warranty of unlimited wind speeds.

“You may also want to inquire how you can get a 10-year or even a 25-year labor warranty,” added Stonewater Roofing co-owner and COO Jacob Law. “Unfortunately, most will not be authorized to offer it to you.”

When you choose Stonewater Roofing, the full GAF system is standard. If your project is an insurance claim, we only require that you follow the law and pay your deductible. You will receive the full GAF system at no extra cost.

Together with GAF, Stonewater Roofing helps you protect what matters most!

Customers Trust Stonewater After Hailstorms Hit During Pandemic

Stonewater Roofing would like to thank its customers new and old for trusting us with your roofing needs. From emergency tarp services to complete commercial roof repair and replacements, the company saw more than 170 contracts signed during the month of April. This is a 20 percent improvement over the previous year, and it comes at an unusual time as our nation grips with a global pandemic.

As previously stated, Stonewater Roofing temporarily ceased all door-to-door sales efforts in response to the coronavirus threat. Gov. Greg Abbott ordered all Texans to remain at home and practice safe social distancing

However, while these measures were in effect, cities across East Texas and western Louisiana saw multiple severe storms. There were reports of golf ball sized hail in areas like Nacogdoches and Tyler on Easter morning. Bossier City saw softball sized hail less than two weeks later.

A sampling of some of the hailstones that struck East Texas during April 2020.

Curtis Jackson, Vice President of Sales for Stonewater Roofing, explained, “The Easter storm in Tyler was followed by two rounds of storms in Nacogdoches and a pretty large one that stretched from Marshall to Benton.”

In the days that followed, a massive number of homes and businesses sought help from Stonewater Roofing. With stay-at-home orders in effect, many customers took advantage of Remote Roofing by Stonewater. This allows the roofing process to take place with no direct contact with salesmen or contractors, in most cases.

Remote Roofing By Stonewater

With state and local governments beginning to ease some restrictions, Stonewater Roofing plans to resume door-to-door sales in the near future. “At this time, we are still adhering to the safety practices put in place with the stay-at-home order,” Jackson said. “I think you will see us back on the streets in mid-May.”

This, we hope, will allow us to more easily bring some peace of mind to property owners throughout the area.