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Quality Roofing and Construction Services in the Dallas and Fort Worth, TX Area.

DFW Roofing is one of the top residential and commercial roofing companies in the D/FW Metroplex. We specialize in TPO, Elastomeric Coating, Flat Roofs and Composition Shingles. Contact us for help with your roof replacement and roof repair. We are a BBB Accredited roofing company serving Dallas, Fort Worth, Southlake, Keller, Grapevine, and surrounding areas.

DFW Roofing is a dedicated to Roofing in Dallas and Fort Worth Roofing. Our goal is to be known as the top Roof Repair Company in the Dallas / Fort Worth Metroplex. So if you need a Dallas Roofing Contractor or Fort Worth Roofing Companies to repair your roof damage then contact DFW Roofing and Construction for Roofing Fort Worth or Roofing in Dallas TX.

While there are many Dallas Roofing Companies to choose from, DFW Roofing and Construction has a reputation for being one of the best
Dallas Roofing Contractors when it comes to Dallas Roofing Repair. Contact this Dallas Texas Roofing company today for a free estimate and discover why we are second to none among Roofing Companies Dallas.

Commercial Roofing Dallas and Commercial Roofing Fort Worth - DFW Roofing specializes in residential roofing and commercial roofing. Contact us for help with your roof replacement and leaking roof repair. We are a dedicated roof contractor, roofing installers, Roof Company and roofing consultants waiting to take care of your roofing concerns.

Residential Roofing Dallas and Residential Roofing Fort Worth - Dallas Ft Worth Roofing knows your home is one of your most valuable assets and we take the opportunity to be your Residential Roofing Company very serious. Contact us today for a free estimate and rest assured you are in good hands with DFW Roofing and Construction.

DEDUCTIBLES & THE LAW

ARTICLE: INSOLVENCY, FRAUDULENT TRANSFERS, AND FRAUD

ARTICLE: TEXAS DEPARTMENT OF INSURANCE LATEST FRAUD CASE DISPOSITIONS

ARTICLE: Protect yourself from contractor scams

Can A Roofing Contractor Pay Your Deductible?

No, paying for deductibles, even partially, is illegal in Texas. There really should be no debate over this, yet there are far too many unethical contractors in this world who take part in this practice. Ask your insurance company and they will tell you the same.
Below are a few important facts to know before you do business with a company that offers to cover part or all of your deductible and sections from the state law proving it is illegal to do so. Please note, we offer no legal opinion or advice.

 

What Does An Insurance Contract Say About Deductibles? 


There is a good deal of fine print in an insurance contract, but the basics are not hard to understand. You pay a monthly premium for coverage in exchange for protection against a big loss. Your insurance is not there for every small loss, so there is a deductible amount that must be exceeded before the insurance kicks in. This deductible always comes first. 


If your deductible is $1,500.00 and you have a loss that is less than $1,500.00 your insurance owes you nothing. You would cover the first $1,500.00 of any loss. The same is true even if your home is pelted by large hail and the total loss is much greater. If you have a $12,000.00 loss, your insurance company would owe you $10,500.00 as the deductible amount. $1,500.00 would be paid by you. In fact, for any loss above $1,500.00 your part would always be the same, your deductible.

Shopping For A Better Roof Price Does Not Save A Deductible 


Continuing with the above example, what if a roofer can do the job for $10,500.00 that your adjuster said would be around $12,000.00? Did you just find a way to save your deductible? No. Your deductible comes first. If your job cost you $10,500.00 then your insurance company would only owe you $9,000.00 - there is no financial reward for finding a lower price. The only way a deductible is saved is by turning in a false invoice that reflects the higher dollar amount, not what you actually paid. It is this false invoice where a bad contractor can get you in big trouble. Approximately one in three claims are internally audited by insurance companies. If a roofing contractor gains a reputation for this practice, all their invoices are highly scrutinized.

The very moment a contractor sends off a false invoice showing a higher dollar amount collected from homeowner / insured, then contractor has committed fraud. 
If contractor provides an invoice (or receipt) to the homeowner / insured & they (not the contractor) then forwards it to their insurance company, both parties have now committed insurance fraud, however the homeowner has also committed wire fraud AND they are also committing collusion (conspiring to perform an illegal act).

 

Insurance Contract Language: Section I & Section II, Conditions:
Below is some of the actual language in a standard insurance contract. There are variations of this in every homeowner’s policy.

  • 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 related to this insurance,whether before or after a loss.

  • 5. Cancellation

    • (2) if this policy has been in effect 90 days or more, we may not cancel this policy unless:

    • (c) you submit a fraudulent claim.

Texas State Law Chapter 35 Insurance Fraud Section 35.02(7)(B)

BUSINESS & COMMERCE CODE

 

CHAPTER 27. FRAUD

§ 27.02. CERTAIN INSURANCE CLAIMS FOR EXCESSIVE CHARGES.

(a) A person who sells goods or services commits an offense if:
(1) the person advertises or promises to provide the good or service and to pay:
(A) all or part of any applicable insurance deductible; or
(B) a rebate in an amount equal to all or part of any applicable insurance deductible;

 

(2) the good or service is paid for by the consumer from proceeds of a property or casualty insurance policy; and
(3) the person knowingly charges an amount for the good or service that exceeds the usual and customary charge by the person for the good or service by an amount equal to or greater than all or part of the applicable insurance deductible paid by the person to an insurer on behalf of an insured or remitted to an insured by the person as a rebate.

 

(b) A person who is insured under a property or casualty insurance policy commits an offense if the person:
(1) submits a claim under the policy based on charges that are in violation of Subsection (a) of this section; or
(2) knowingly allows a claim in violation of Subsection (a) of this section to be submitted, unless the person promptly notifies the insurer of the excessive charges.
(c) An offense under this section is a Class A misdemeanor.

Added by Acts 1989, 71st Leg., ch. 898, § 1, eff. Sept. 1, 1989.


 

PENAL CODE CHAPTER 35. INSURANCE FRAUD

§ 35.02. INSURANCE FRAUD
(a) A person commits an offense if, with intent to defraud or deceive an insurer, the person, in support of a claim for payment under an insurance policy:
(1) prepares or causes to be prepared a statement that:
(A) the person knows contains false or misleading material information; and
(B) is presented to an insurer; or
(2) presents or causes to be presented to an insurer a statement that the person knows contains false or misleading material information.
(a-1) A person commits an offense if the person, with intent to defraud or deceive an insurer and in support of an application for an insurance policy:
(1) prepares or causes to be prepared a statement that:
(A) the person knows contains false or misleading material information; and
(B) is presented to an insurer; or
(2) presents or causes to be presented to an insurer a statement that the person knows contains false or misleading material information.
(b) A person commits an offense if, with intent to defraud or deceive an insurer, the person solicits, offers, pays, or receives a benefit in connection with the furnishing of goods or services for which a claim for payment is submitted under an insurance policy.
(c) An offense under Subsection (a) or (b) is:
(1) a Class C misdemeanor if the value of the claim is less than $50;
(2) a Class B misdemeanor if the value of the claim is $50 or more but less than $500;
(3) a Class A misdemeanor if the value of the claim is $500 or more but less than $1,500;
(4) a state jail felony if the value of the claim is $1,500 or more but less than $20,000;
(5) a felony of the third degree if the value of the claim is $20,000 or more but less than $100,000;
(6) a felony of the second degree if the value of the claim is $100,000 or more but less than $200,000; or
(7) a felony of the first degree if: (A) the value of the claim is $200,000 or more; or
(B) an act committed in connection with the commission of the offense places a person at risk of death or serious bodily injury.
(d) An offense under Subsection (a-1) is a state jail felony.
(e) The court shall order a defendant convicted of an offense under this section to pay restitution, including court costs and attorney’s fees, to an affected insurer.
(f) If conduct that constitutes an offense under this section also constitutes an offense under any other law, the actor may be prosecuted under this section, the other law, or both.
(g) For purposes of this section, if the actor proves by a preponderance of the evidence that a portion of the claim for payment under an insurance policy resulted from a valid loss, injury, expense, or service covered by the policy, the value of the claim is equal to the difference between the total claim amount and the amount of the valid portion of the claim.
(h) If it is shown on the trial of an offense under this section that the actor submitted a bill for goods or services in support of a claim for payment under an insurance policy to the insurer issuing the policy, a rebuttable presumption exists that the actor caused the claim for payment to be prepared or presented.

 

Added by Acts 1995, 74th Leg., ch. 621, § 1, eff. Sept. 1, 1995.
Amended by Acts 2003, 78th Leg., ch. 605, § 1, eff. Sept. 1, 2003.
Amended by: Acts 2005, 79th Leg., Ch. 1162, § 4, eff. September 1, 2005.

Terms and Conditions

 

1) Replacement of deteriorated decking, fascia boards, roof jacks, ventilators, flashing, gutters, or other material, unless stated in this contract, are not included and will be charged as an extra on a time and material basis.

 

2) James Kate Roofing is not responsible for the damage to hidden gas, HVAC, alarm, telephone, or electrical lines.

 

3) This contract constitutes the entire understanding of the parties and no other understanding, collateral or otherwise, shall be binding unless in writing and signed by both parties.

 

4) Any and all leftover material is the property of James Kate Roofing.

 

5) Remove all loose items from walls, shelves and table edges before work begins so they do not fall and/or become damaged.  James Kate Roofing will not be responsible for damages.

 

6) During the roofing project, debris and/or dust may fall from your rafters and underside of the decking. Items directly below the roof decking (attic) may be damaged or soiled during the project. James Kate Roofing will not be responsible for damages.

 

7) We will need access to your driveway to load shingles and clean up. Please park your cars, motorcycles, bicycles, boats, etc. away from the house and driveway during the roofing project. If there is no driveway access, we will attempt to gain access to the home by placing the truck or trash receptacle onto the front or back yard. If there is a septic, water sprinkler, or any other system that may be damaged by vehicles on the lawn, please notify us in advance of the project to prevent damage to these systems.

 

8) James Kate Roofing disclaims itself from any damage to property owner's driveway due to under reinforcement. This condition is rare but cannot be predetermined.

 

9) James Kate is not responsible for nails backing out or exposed nails during or after the installation of roofing materials.

 

10) Purchaser hereby acknowledges that Contractor may be subject to delays occasioned by inclement weather, labor disputes, and material supply shortages which are beyond the control of the Contractor and purchaser hereby acknowledges that all such delays do not constitute abandonment and are not included in calculating time frames for payment and performance of the installation of roof.

 

11) Any past due unpaid portion will bear Interest at the rate of 18% per annum commencing 14 days after completion. Purchaser agrees to pay collection fees, and/or any attorney fees needed in pursuit of collection any remaining unpaid portion commencing 14 days after the completion of installation.

12) Labor warranty does not cover damage caused by lightening, gale winds (50 MPH), hurricane, hailstorm, impact of foreign objects or other violent storm or casualty, or damage due to settlement, distortion, failure or cracking of the walls or foundation of a building.

 

13) All discounts and warranties are void if not paid when balance is due. Valid workmanship warranties are transferable.

 

 

14) James Kate Roofing reserves the right of venue if necessary, for legal proceedings.

 

Texas law requires a person insured under a property insurance policy to pay any deductible applicable to a claim made under the policy. It is a violation of Texas law for a seller of goods or services who reasonably expects to be paid wholly or partly from the proceeds of a property insurance claim to knowingly allow the insured person to fail to pay, or assist the insured person ’s failure to pay, the applicable insurance deductible.

 

 

BUYERS RIGHT TO CANCEL

 

Buyer may cancel this contract by delivering written notice to the seller at any time prior to midnight of the third business day after this transaction. Buyer may use this contract as the notice by writing “I hereby cancel” at the bottom and adding Buyer’s name and address. After the 3rd day, there will be a 15% cancellation fee.