2 Terms You Need to Know When a Roofer Comes to Your Door

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blog8When rain showers, hail, and storms come to Kansas City, it’s not just the flowers that are making an appearance afterwards; the storms bring with them an influx of door-to-door roofing salespeople. Many of these salespeople are “Storm Chasers“, those who show up from out-of-town looking to cash in on the storm damage.

Although we highly recommend you always work with local contractors, we understand that you also need to know your options. When roofers come knocking at your door, you can prepare yourself to make a knowledgeable judgment and decision by understanding a few key terms.


What is a “Subject To” Agreement?


Before you have even decided to use a particular contractor, a salesperson may try to have you sign something called a “Subject To” agreement.

If a salesperson seems overly eager, rushed, or pushy in having you sign any papers, there is your first red flag. Do not sign any agreements or contracts without full knowledge of what they bind you to.

A “Subject To” agreement should be understood as this:  Subject to insurance approval, said contractor will be contracted to perform the work.

A contractor can also use this agreement as insurance for themselves–if they have to put in any work upfront, before a contract is signed, this agreement ensures that the upfront work will be worth their time, securing a contract.

In other words, if you sign this agreement, it means that this is the contractor you will hire to do the work, so long as your insurance is covering the costs. This is not necessarily a bad thing; you just need to be confident in a contractor before you sign their Subject To Agreement.


Really….You Will Waive my Deductible?


Some door-to-door roofing salesman will try to make a sale by claiming that they will waive your insurance deductible. Not only is this claim a half-truth, it is also illegal. A salesperson may come at you with promises such as:

  • We will waive your insurance deductible!
  • No deductible!
  • We will “eat” your deductible!
  • We will reimburse your deductible!
  • We offer deductible assistance!
  • Get your roof for free!

There are several ways a contractor will try and get around insurance deductibles as a marketing scheme to get your business.

They may send you a billed amount for the work done, and then instruct you to send a different receipt, with a higher amount, to your insurance company. Seems dishonest? It is. And Illegal. Not only that, but it could land you with insurance fraud.

They may go a different route by billing you for the maximum cost that your insurer has agreed to pay. The contractor will then use a “change order” to reduce the final price by the amount of your deductible, leaving your insurer over-billed.

Click here to read more about Insurance Deductible Frauds.


2 Things to Remember When a Roofer is On Your Doorstep


Knowing these two terms can equip you with knowledge power when the rain or hail brings out the door-to-door roofing salespeople. When they begin making promises and throwing around these terms, just remember these two things:

  1. Be very confident in a contractor before you sign a Subject To Agreement
  2. Never, ever accept insurance deductible assistance. If a contractor offers it, then you are better off bidding them farewell, and finding a more honest contractor to work with.


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