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Originally Posted by tophcfa
Cannot deny coverage, but can make coverage ridiculously unaffordable. How about making fraudulent roof claims a crime, and then correspondingly reducing insurance premiums for responsible homeowners?
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It does - from the article…..
The law modifies this so that if a roof is more than 25% damaged but complies with the state’s 2007 building code, it only needs to be repaired.
It did ease that threshold requirement, which is going to make it more difficult to obtain a full roof replacement,” said Cotney.
Along with these changes, the law hopes to put a stop to roofing scams. For instance, in March, two Florida contractors were arrested for allegedly enticing homeowners with rebates to cover their insurance deductible if they submitted a full roof replacement claim to their property insurance company. To address potential roofing scams like these, contractors using printed or electronic advertisements to encourage consumers to contact them for the purpose of making an insurance claim for roof damage must include information stating:
Consumers are responsible for paying the insurance deductible.
It’s insurance fraud punishable as a felony for a contractor to knowingly pay, waive or rebate all or part of an insurance deductible.
It’s insurance fraud to intentionally file an insurance claim containing any false or misleading information.
Previously, contractors could recoup attorney fees from insurers if a lawsuit is successful. Under the new law, this is no longer the case when they’re assigned benefits. Homeowners, however, can still recover prevailing party fees if they file a lawsuit against insurers.