Macomb · Oakland · Wayne County
Insurance Deductible Help in Michigan: $500 Deductible Forgiveness
Pay nothing up front. Pay your deductible when the job is done. Take $500 off upgrades, with payment plans if you need them.
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- 30+ years restoring Michigan homes
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The honest answer
Looking for a contractor that will waive or pay your deductible?
You’re not alone. After a fire, flood or storm, the deductible is often the first big bill a homeowner faces, and “can a contractor pay my deductible” is one of the most common questions we get across Macomb, Oakland and Wayne County.
Here’s the straight answer, and the legal ways Select Restoration gives you real homeowners insurance deductible help, whether you’re dealing with fire damage, water damage or storm damage to your roof.
Deductible help at a glance
- $500 off upgrades through our Deductible Forgiveness Program
- No money up front: your deductible is due only when the job is done
- Financing and payment plans available
- Free on-site estimate and help meeting your adjuster
Can a contractor waive your deductible in Michigan?
Your deductible is your share of the loss under your homeowners policy. Some contractors advertise that they’ll “waive,” “cover” or “eat” it. In most cases that only works one of two ways: by sending your insurance company a bill that’s higher than the real cost of the work, or by cutting corners on your repairs to make up the difference.
Both put you at risk. Knowingly giving an insurer false information that’s material to a claim is a fraudulent insurance act under Michigan law (MCL 500.4503), and if an insurer finds a padded invoice, it can deny or reopen the claim. Texas, Minnesota and Florida have gone further and banned contractors from offering to pay deductibles outright. We don’t play that game, and you shouldn’t have to. See our restoration contractor checklist for more red flags.
Red flags to watch for
- “We’ll cover your deductible” with no explanation of how
- An estimate much higher than the work you discussed
- Pressure to sign before you’ve read your policy
- Storm chasers knocking on doors after a hailstorm
- Asking you to sign over your whole insurance check
Real help, done right
How Select Restoration helps with your deductible, legally
$500 Deductible Forgiveness
Take $500 off upgrades or extra work you choose while we rebuild, like better flooring, cabinets or fixtures. It comes out of our pocket and is never billed to your insurance company.
Pay when the work is done
No money up front. We collect your deductible only after your repairs are complete and you’re happy with the work, even for emergency services.
Financing & payment plans
Need more time? We offer financing and payment plans, so your deductible doesn’t have to come out all at once.
Your full claim, documented
First estimates often miss damage: wet insulation behind walls, smoke in duct work, code-required items. We document every legitimate item so your claim pays what your policy covers.
Recoverable depreciation
Many policies hold back depreciation until repairs are finished. We make sure that money gets released. For Michigan policies issued or renewed on or after Jan. 1, 2025, insurers generally can’t depreciate labor in an actual-cash-value payment unless you agreed to it in a separate endorsement (DIFS Bulletin 2024-26-INS).
Adjuster & mortgage coordination
We meet your adjuster at the property and work with your mortgage company so checks get endorsed and released without weeks of back-and-forth.
Every service, same deductible help
Deductible help for fire, water and storm damage
Fire & smoke damage
House fires mean large claims with many line items, from board-up and soot cleanup to full reconstruction. We handle it start to finish, and you won’t owe your deductible until the rebuild is done.
Water damage & flooded basements
Burst pipes, appliance leaks and sewage backups need fast drying to prevent mold. We start right away with nothing due up front. Flooding from outside water and some sewer backups need separate coverage, so ask us to review your policy.
Storm, wind & hail damage
Roofing and siding claims are where “we’ll cover your deductible” offers show up most, often from storm chasers. Our team is local and licensed, and gives you legal roofing deductible help instead.
$500 off upgrades like theseCan’t afford your deductible right now?
You’re not stuck. Emergency services like water extraction, board-up and tarping shouldn’t wait, and with us they don’t have to: we start right away and your deductible isn’t due until the work is complete.
If paying it in one lump sum is hard, ask about our financing and payment plans. Then use the $500 Deductible Forgiveness Program toward any upgrades you want while we rebuild, so your home comes back better than before.
Questions we hear every week
Homeowners insurance deductible questions
Can a contractor waive or pay my deductible in Michigan?
No reputable contractor should. Your deductible is your share of the loss under your policy. Contractors who “waive” or “cover” it usually do so by billing your insurance company more than the work costs or by cutting corners, and knowingly giving an insurer false claim information is a fraudulent insurance act under Michigan law (MCL 500.4503). Select Restoration helps with your deductible legally instead, including $500 off upgrades, no money up front and payment plans.
Is it okay for a contractor to waive my deductible?
It puts you at risk. You signed the claim, so if an insurer finds a padded invoice it can deny or reopen the claim. Texas, Minnesota and Florida ban contractors from offering to pay deductibles outright. Ask any contractor exactly how they plan to cover it before you sign.
Can you make payments on a home insurance deductible?
Yes. Select Restoration offers financing and payment plans, and we collect your deductible only after your repairs are finished, so you never pay it up front.
Who do I pay my homeowners insurance deductible to?
You pay your deductible to the contractor who repairs your home, not to your insurance company. Your insurer subtracts the deductible from the claim payment and pays the rest of the covered repair cost.
When do I pay my deductible after fire, water or storm damage?
With Select Restoration, your deductible is due when the work is complete and you are happy with it. Nothing is due when we start emergency mitigation or rebuilding.
Is the homeowners insurance deductible charged per claim?
Generally yes, once per covered loss. Some policies have a separate deductible for wind or hail damage, sometimes a percentage of your dwelling coverage, so check your declarations page or ask us to review it with you.
How can I lower what I pay out of pocket after a covered loss?
Make sure every legitimate item of damage is documented so your claim pays what your policy covers, get recoverable depreciation released when repairs are done, and work with a contractor who offers real, legal help such as our $500 Deductible Forgiveness Program on upgrades.
Deductible help across Macomb, Oakland and Wayne County
Our $500 Deductible Forgiveness Program, financing and pay-at-completion terms are available in every community we serve, for fire, water and storm damage alike:
Macomb County: Armada, Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mount Clemens, New Baltimore, New Haven, Ray Township, Richmond, Romeo, Roseville, Shelby Township, St. Clair Shores, Sterling Heights, Utica, Warren, Washington Township
Oakland County: Auburn Hills, Bloomfield Hills, Farmington Hills, Madison Heights, Rochester Hills, Royal Oak, Troy
Wayne County: Dearborn, Detroit, Grosse Pointe, Harper Woods, Livonia
Don’t see your city? We likely serve it. Call 586-791-3900.
Talk to us before you file
We’ll look at the damage, walk you through what your policy covers and explain exactly what you’ll owe before any work starts. Visit our Fraser showroom or call any time.
