DK Haney Roofing - Severe Weather - Roof Damage

Insurance Fraud, Be an Educated Consumer

Be an educated consumer, please take a few minutes and read this article.

Paying for deductibles, even partially, is illegal in Texas.

Paying for placing a sign in an insured’s yard is in fact considered a rebate since the insured receive a betterment from their loss.  When you submit an invoice to the insurance company to recover the depreciation do you show that you paid the insured?  Do you show that you collected the FULL and required dollar figure?  If not, and you stated that you collected hundreds or even thousands less than the correct deductible, the insurance company would reduce the recoverable depreciation by the amount you discounted the deductible.

I’m seeing language on claim summaries now that address this issue informing insured’s that it’s illegal for them not to pay their fully required deductible.

Examples:

1. Insurance claim for a roof is estimated by insurance at $10,000.
2. Insured (homeowner) has a deductible for $1,500.
3. This means the insurance company’s portion of “buying the roof” is $8,500.
4. However, along comes Roofer X who only charges the home owner/insured $500 and not the full amount.
5. Roofer X is telling the insurance company they should send out the balance of the claim (the rest of the amount due) and the insurance company now things they have satisfied their part.
6. If, on the other hand, Roofer X were to send in an invoice with the dollar figure of $500 paid by homeowner/insured and NOT $1,500, then the insurance company would then back off their final check by the amount that Roofer X did NOT collect.
7. Homeowner/insured is happy, however, because they just paid less than they were supposed to (“hey, it’s OK; everyone does it, right”).

WRONG.

Fact: The very moment Roofer X sends off a false invoice showing a higher dollar amount collected from homeowner/insured, then Roofer X has committed fraud.

Fact: If Roofer X provided an invoice to the homeowner/insured and they (not the roofer) then forward this off to insurance, both parties have now committed insurance fraud, however the homeowner has also committed wire fraud and they are also committing collusion (conspiring to perform an illegal act)…. How nice; Roofer X has just dragged the homeowner down right along with them.

It’s really quite simple:

Find a roofing contractor (DK Haney Roofing) that has good references and one that you think will provide you with the highest level of service and do the best quality job.  Pay your full and legally required deductible.

If you have a problem with your deductible, then maybe you need to rethink your premiums.  A higher premium will mean a lower deductible, but you, the consumer, are the one who makes that choice.

Now, one scam (“on the behalf of the homeowner/insured”) is that Roofer X could pay to place a sign in someone’s yard that they are not re-roofing, that’s legal but it’s also not very likely.

Since roofing is by its very nature dangerous and potentially deadly these kickbacks can be considered a first degree felony offence.  At the minimum it’s a state jail felony.  If you get caught doing it multiple times they will aggregate the charges.

All it takes is an insurance company’s SIU Department to audit an insured.  Or the Texas Department of Insurance to investigate.  See Chapter 35 Insurance Fraud Section 35.02(7)(B).

*Information provided by the North Texas Roofing Contractors Associate.

With DK Haney Roofing…

You don’t have to worry about insurance fraud.  We will never ask our customers to do anything illegal.  Our job is to provide you with quality service at an affordable rate. 

If you feel like you are being pressured by Roofer X, call DK Haney Roofing and we’ll help solve your roofing problem today!

DK Haney Roofing's Referral Program

We invite you to join DK Haney Roofing’s Referral Program!

When you recommend DK Haney Roofing to a relative, friend or business associate – and that person contracts with DK Haney Roofing to re-roof their home, office, or other commercial structure within the next 12 months – DK Haney Roofing will give you 1% of the sale from that project.

Here's how it works...

Step 1: Tell a relative, friend or business associate about DK Haney Roofing.
 
Step 2: Call or email us when you find a relative, friend, or business associate that is interested in working with DK Haney Roofing.
 
Step 3: Referral contact sets up appointment for a roof consultation with one of our roof technicians.
 
Step 4: Present roof project and sign contract.
 
Step 5: You receive 1% of sale!

When can I start...
NOW!  Call (817) 546-2266 or email DK Haney Roofing, if you have any questions or comments.  Start sending those referrals in today! Thank you for your help.  We look forward to working with you.