THE DEDUCTIBLE ANSWER — say it the same way every time

Homeowner: "Can you take care of my deductible?"

You: "I can't, and honestly I wouldn't want to — here's why.
      That deductible is your share of the claim. Any contractor who
      eats it has to make it back somewhere you can't see — thinner
      crew, cheaper materials, corners cut on your roof.
      In a lot of states it's flat-out illegal too — for you and for me.

      What I DO instead: I go after your carrier for every dollar
      the policy owes, documented line by line, so nothing gets
      skipped and quietly billed back to you.
      And if the deductible's tight right now, we can set up a
      payment plan on it."

If they still push:  "That's my line, and it's the same for everybody.
                      What it buys you is a roof with nothing skipped."