Many of you in Maryland are likely being inundated with fliers and mailers from Contractors who tell you that you can get a new roof and/or siding with no out of pocket expense courtesy of your insurance company. The simple fact is that you cannot do this without being party to a felony criminal act. If you are approached by a Contractor offering to waive/rebate all or part of your deductible on an insurance claim they are not someone you want to do business with. The individual offering to do this is committing insurance fraud and should be reported to the National Insurance Crime Bureau, The Maryland Insurance Administration, and The Maryland Home Improvement Commission immediately. The crime is a felony punishable by up to 15 years in prison and a fine of 3 times the amount of the total insurance claim. This type of fraudulent action on the part of Contractors and property owners results in higher insurance premiums for those that abide by the law.
You should be very careful about any Contractor claiming to be a licensed insurance adjuster in the State of Maryland. Maryland does not license Insurance Adjusters. Claiming to be a licensed Insurance Adjuster is considered Insurance Fraud under Maryland Law as of 2009. The only type of Insurance Adjuster licensed in the State of Maryland is a Public Adjuster which is an Insurance Adjuster that works for the Policy holder.
Senate Bill 736 was signed by the Governor on May 2, 2013 and is enacted effective October 1, 2013 as Code of Maryland Insurance Article § 27-407.2. It repeals and replaces §§ 27-408(a) and (b). The bill makes it a “fraudulent insurance act for a person to pay or otherwise compensate, directly or indirectly, or offer or promise to pay or compensate, an insured for all or part of an insurance deductible provided under the policy as an inducement to enter into a contract to furnish goods or services.” The new section also specifically references contractors who are performing repairs to a private residence caused by weather, when the services will be paid for from the proceeds of the policy.
The Maryland Home Improvement Commission can be reached at: 1-410-230-6309 via email at: email@example.com (Subject: Contractor Insurance Fraud) or on the web at: http://www.dllr.state.md.us/forms/mhiccomplaint.doc
The Maryland Insurance Administration can be reached at: 1-800-846-4069 or via email at: firstname.lastname@example.org (Subject: Insurance Fraud Division)
The National Insurance crime Bureau can be reached at: 1-800-835-6422 or on the web at: https://www.nicb.org/speak_up/speak-up
In the interest of full disclosure Dottrio, LLC is licensed as a Public Adjuster firm and General Contractor by the State of Maryland. Public Adjusters do not perform repairs and deductible payments are generally not part of a Public Adjuster agreement. If you have questions about a property insurance claim we will be happy to discuss your claim with you. Call us at 301-971-4040 or email us at: email@example.com