Texas Homeowners Beware!

When a roof must be replaced as a result of an insurable loss such as hail, the homeowner is responsible for paying the deductible as a condition of the insurance policy.

The concealment or fraud verbiage below is contained in your homeowner’s policy. Beware when a roofing company or roofing salesman sates that they can help your with all or part of your deductible by offering with a yard sign advertising allowance or a rebate from the insurance proceeds. This is Fraudulent.

In order to accomplish the advertising allowance or a rebate, the roofing company must submit or ask you to submit a fraudulent invoice to the Insurance Company showing that the first check and the deductible have been paid. This is done so that the Insurance Company will release the full depreciation.

Without realizing the gravity of the situation, the homeowner (you) can be enticed into being an unwitting accomplice to insurance fraud. The following directly applies to you, the insured:

Section 1 and Section 2 – Conditions
2. Concealment or Fraud. This policy is void as to you and any other insured, if you or any other insured under this policy has intentionally concealed or misrepresented any material fact or circumstance, made false statements or committed fraud relating to this insurance whether before or after a loss.

5. Cancellation.
(2) If this policy has been in effect 9 days or more, we may not cancel this policy unless:
(c) you submit a fraudulent claim.

So, do not be misled. Any roofing company or salesman that approach’s you with any of the above scenarios should be strictly avoided. If the roofing company or salesman is willing to lie to an insurance company regarding the actual replacement cost of the roof, what would stop them from lying to you?

Further, since insurance companies are not known for throwing money away, one should ask what is the roofing company willing to leave out of the roof replacement in order to cover the money that they are not receiving.

Do you really want to take a chance with he most important investment that most people make, their home?

If you are approached by someone offering to commit insurance fraud, please report them anonymously to the Texas Insurance Commission at the following toll-free number.

Texas Insurance Fraud Toll-Free Hotline