When storms or unexpected damage strike, many homeowners hope insurance will cover the full cost of roof repairs or even a complete roof replacement. However, one of the most common questions we hear is: “Can I get a new roof without paying the insurance deductible?”

The short answer: No, not legally.

Let’s dive into why insurance deductibles exist, what to watch out for, and how you can still save money on roof repairs, roof replacements, gutters, and even Velux skylight installations while working with your insurance company.

Why You Can’t Avoid the Deductible

Insurance deductibles are designed to make sure homeowners share part of the repair cost. It’s a requirement in every policy, and waiving or “eating” the deductible is considered insurance fraud.

Some roofing contractors may offer to “cover” your deductible by inflating the job estimate or cutting corners on materials. While this might sound tempting, it could put you at risk of denied claims, poor-quality work, or even legal trouble.

Smart Ways to Save on Roof Repairs or Replacements

Even though you can’t skip the deductible, there are legitimate ways to reduce your out-of-pocket expenses:

1. Work with a Trusted Roofing Contractor

Choosing an experienced roofing company means accurate estimates, high-quality workmanship, and strong communication with your insurance provider. At FRS Roofing + Gutters, we handle the insurance process from start to finish, ensuring you get the full coverage you’re entitled to without headaches.

2. Bundle Services for Better Value

If your roof needs repairs or replacement, it’s often the best time to address related issues like gutter installation or upgrading with Velux skylights. Handling these projects together can reduce labor costs compared to scheduling them separately.

3. Preventative Roof Maintenance

Regular inspections and small roof repairs can prevent larger, more costly issues. For example, catching a minor leak early avoids expensive structural damage later. Preventative care also helps keep your insurance premiums lower in the long run.

4. Energy-Efficient Upgrades

When replacing a roof, consider energy-efficient options such as Velux skylights that add natural light and reduce electricity usage. Many energy-saving upgrades qualify for tax credits or rebates, helping offset the cost of your deductible.

What to Watch Out For

Some “storm-chasing” roofing companies may approach you after severe weather and promise a new roof with no deductible cost. Be cautious—these offers are often scams.

Red flags include:

• Asking you to sign over insurance checks

• Offering to inflate damage reports

• Pushing you into rushed contracts

Instead, work with a local, trusted company that prioritizes integrity and long-term solutions.

The Bottom Line

While you can’t legally avoid paying your insurance deductible, you can make the most of your claim with the right partner. By choosing a reliable roofing contractor, bundling roof replacements with gutters or Velux skylight installations, and investing in preventative roof repairs, you’ll get maximum value for your money.

At FRS Roofing + Gutters, we believe in honesty, integrity, and helping homeowners protect their biggest investment—their home. Whether you need a roof repair, a complete roof replacement, new gutters, or Velux skylights, we’ll guide you through the insurance process and provide solutions built to last.

📞 FRS Roofing + Gutters
Call us today: 781-322-6252