The Real Cost of a “Free Roof” – Understanding Your Obligations

How often have you come across the alluring promise of a “free roof”? It’s a common term thrown around, usually signifying a roof covered by insurance. But how free is this so-called “free roof”?.


To shed light on this concept, let’s dissect the true costs associated with roof replacements, even when they’re masked under the label of being “free.”


The Insurance Deductible – A Hidden Cost?

Often, the illusion of a “free roof” surfaces when your insurance company agrees to bear the cost of roof replacement, deducting only the deductible amount.


Imagine a scenario where your roof replacement costs $10,000, and your deductible is $1,000. In such a case, the insurer covers $9,000, leaving you to handle the remaining $1,000.


While this seems like a fair deal at first glance, the reality is you’re still incurring costs.


The “Roofers Pay Your Deductible” Scam

In other instances, roofers might offer to take care of your deductible. However, let’s be clear, there’s no such thing as a free lunch. These roofers typically inflate the roof replacement costs to cover the deductible and still secure their profit.


Consequently, you’re still financing your roof indirectly, although you don’t pay the deductible upfront.


So, How Free is a “Free Roof”?


Therefore, the level of “freedom” a “free roof” grants largely depends on your specific circumstances. If you’re saddled with a high deductible, you might need to fork out a significant sum towards roof replacement.


Even when your insurer covers the majority of the cost, remember there’ll always be some out-of-pocket expenses.


Protecting Yourself From Roofing Scams

Before you jump at a “free roof” offer, ensure you’ve fully grasped all potential costs. Nobody wants to find themselves knee-deep in expenses they never bargained for.


To steer clear of roofing scams and to make an informed decision, follow these tips:


  • Request multiple estimates from reputable roofing contractors to gain an idea of average costs.

  • Make inquiries about the contractor’s insurance and bonding. They should provide verifiable proof.

  • Ascertain the contractor’s licensed and insured status. This shields you from liability in case of on-site accidents.

  • Always read the contract with a discerning eye before signing it. Make sure you understand all clauses and conditions.


Making the Right Decision

When it comes to your roof, it’s always better to err on the side of caution. If a roof offer raises doubts, it’s best to walk away. While a “free roof” can seem tantalizing, remember the age-old adage – “if it sounds too good to be true, it probably is.”


Choosing United Roofing & Exteriors




Now, are you in search of trustworthy, reputable, and transparent roofing services? Look no further. At United Roofing & Exteriors, we’re committed to providing honest and high-quality service, devoid of confusing jargon and hidden costs. We’re here to ensure you make the best decisions for your roofing needs.


Feel free to contact us today for all your roofing concerns, including a comprehensive roof inspection, repair, or replacement.

Let us help you understand the true meaning of value, beyond the illusion of a “free roof”.