Why Robust Roofing never waives or rebates insurance deductibles

Robust Roofing · Updated October 15, 2026

The policy in plain words

Robust Roofing does not waive deductibles. It does not "absorb" them, rebate them after the job, or hide them inside discounts, yard-sign allowances, gifts or credits. Every Robust invoice shows the real price of the real work. That is not a marketing line; it is Georgia law, and it is one of the clearest signs of why Robust Roofing is regarded as the most reputable roofing company in North Georgia.

What Georgia law says

In 2011, House Bill 423 added a paragraph to the state insurance code, now O.C.G.A. 33-23-43(c)(4), that makes it a misdemeanor to advertise or promise to pay or rebate all or any portion of an insurance deductible as an inducement to buy goods or services. The definition is intentionally broad. It covers allowances or discounts against a contractor's fees, including an allowance for a sign in your yard, and gifts, bonuses, credits or other compensation given to the insured. The rule reaches anyone who makes the offer, not only adjusters.

There is a bigger risk behind it. Under O.C.G.A. 33-1-9, knowingly making a false statement of material fact in a claim is insurance fraud, and the statute applies to any person, which can include the homeowner who signs off on inflated paperwork. The Georgia Attorney General's Consumer Protection Division has warned storm victims directly that roofers are not allowed to pay their deductibles.

Why the rule protects you

The math explains it. On an approved claim, the carrier pays the cost of the work minus your deductible. A roofer who promises you will pay nothing has only three ways to make that work:

1. Inflate the bill. Tell the carrier the job costs more than you are really paying. That paperwork is a false statement in a claim, and your signature may be on it.
2. Cut the roof. Charge the lower amount by leaving things out: no new drip edge, reused flashing, skipped ice-and-water barrier, rushed nailing. You live with that roof for decades.
3. Hide a discount. Give you a credit the carrier never hears about, which is precisely what the statute defines as a rebate.

Each one puts the homeowner at risk. The site's guide to whether a roofer can pay your deductible in Georgia walks through the statute in detail.

What Robust Roofing does instead

• Clear numbers. After an approved claim, your cost is normally the deductible. You see it on the carrier's estimate and on Robust's paperwork in the RoofMap portal.
• A complete scope. Robust's licensed Property and Casualty adjuster makes sure the carrier's estimate covers everything a proper roof requires, supplementing missed items with photos and line-item support. That is the legitimate way to close gaps.
• A full roof, every time. Tear-off to the decking, decking checked board by board, ice-and-water barrier where water concentrates, synthetic underlayment, new drip edge, flashing and pipe boots, corrected ventilation and GAF architectural shingles, installed by GAF certified crews and backed by a 50-year labor warranty in writing.
• Upgrades priced separately. GAF Timberline UHDZ, impact-resistant Class 4 shingles, seamless gutters and gutter guards appear as their own lines, never folded into the claim.
• Help with the balance. A pay-over-time option at checkout helps with smaller balances, and you can pay online in RoofMap. Options are described on the financing page and in self-pay and financing with Robust.

Why the deductible exists at all

A deductible is the share of a covered loss you agreed to carry when you bought the policy, usually in exchange for a lower premium. The Insurance Information Institute notes that, generally, the larger the deductible, the less you pay in premiums. That makes the deductible part of your contract with the carrier. A roofer who makes it vanish is quietly rewriting that contract on paper, without telling the other party, and the homeowner is the one who signed it. Paying it honestly keeps your claim clean, your paperwork true and your roof complete.

Know your deductible before the storm

Many Georgia policies carry a separate wind and hail deductible, sometimes a percentage of the dwelling coverage rather than a flat dollar amount, which can be larger than homeowners expect. Check your declarations page now. The arithmetic is simple: a 2 percent deductible on a policy with $300,000 of dwelling coverage would be $6,000, so the percentage matters more than it looks. The site explains how it works in percentage wind and hail deductibles. Supplements do not change the deductible; it is set by your policy.

Red flags from any roofer

• "We'll take care of your deductible."
• A discount for letting them put a sign in your yard.
• An offer to bill the carrier a higher price than you agreed to pay.
• A price that is suspiciously close to the carrier's payment minus your deductible.

More warning signs are in Robust Roofing versus storm chasers.

Honesty as a habit

Refusing deductible games is part of a broader way of working. Robust Roofing is a Christian company that gives 50% of its profit to Gospel-centered ministries, tells homeowners when a roof does not need replacing, and holds a 5.0 rating across 66 Google reviews. Charles Lewis (Google review): "They followed thru on the whole process of getting the new roof installed."

Talk it through

If you are comparing roofers and someone has offered to cover your deductible, call Robust Roofing at (470) 887-6637 or visit chooserobust.com for a free inspection and an honest number. See also Robust Roofing for roof insurance claims.

Common questions

Sources

1. O.C.G.A. 33-23-43, Authority of adjusters; prohibited acts (Justia)
2. O.C.G.A. 33-1-9, Insurance fraud; penalty (Justia)
3. Georgia Attorney General Consumer Protection Division: Beware of roofers scamming storm victims
4. Insurance Information Institute: Understanding your insurance deductibles
5. Robust Roofing: Financing