Often contractors tell homeowners that they will cover the deductible or “work it out”. But in Colorado the laws changed in 2012 under Senate bill 12-38 stating that can no longer happen. Yet some contractors are still advertising or selling the fact that a homeowner doesn’t have to pay the deductible if they use them. Is there a legal loophole?
Arizona has a similar law and as covering a deductible is not allowed other discounts can be given. For example, Senior discounts new customer discounts, things like that. Hope that helps.
Exactly other incentives can be offered, or cosmetic damage can be used to lighten the deductible out of pocket cost dramatically.
Legally a contractor cannot cover a homeowners deductible. There are ways to help the homeowner out when dealing with their insurance claim based on product choice and what work needs to be done.
Technically, the customer is responsible for their deductible but there are definitely ways to help the customer out. One is if you have a good contractor he will find any/all cosmetic damage, there is also a coupon Shamrock offers $500 off a complete roof replacement.