That discount certificate or coupon offered by roofers to help you meet your deductible may make you guilty of insurance fraud.  When you purchase an insurance policy, you and the insurance company agree that in case of a disaster (hail usually), you and the company will share the replacement cost.  You will pay the amount that you choose as your deductible, the insurance company will pay the rest of the cost. Very simple....

Some roofers attempt to attract business by 'helping' the home owner meet their deductible by offering coupons or special discounts that can be used toward payment of the bill. For the roofer, this is perfectly legal.  For you, the home owner it is legal also, provided you include this discount certificate along with your claim to your insurance company.  In your contract with the company, you agree to pay your deductible portion, and they will pay the remainder of the cost.  

The Coupon reduces the total 'replacement cost' of your roof, not your deductible.  So, if you do not disclose this adjustment in the replacement cost to your insurance company, you are in violation of your contract and the law in a very serious way.

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