Can A Roofing Company Pay My Deductible in Texas?
When a hail storm hits your neighborhood and your roof is damaged, it can feel like your world has been turned upside down. You are almost certainly dealing with anxiety. You may also be dealing with leaks and water damage. Getting the roof fixed is urgent; you need to protect your family and your home. Add in the hassle of filing an insurance claim, coordinating repairs, and reviewing contractor estimates, and it’s no wonder homeowners feel stressed. In these moments, offers like “We’ll cover your deductible!” or “Get a free roof with your insurance claim!” sound like a dream come true.
But here’s the reality check: in Texas, these offers are not only misleading, they are illegal. Under state law, it is against the law for roofing contractors to waive, pay, or absorb your insurance deductible. Falling for one of these offers could put you at serious risk, including being involved in insurance fraud or facing legal penalties yourself.
What Texas Law Says
In 2019, Texas passed House Bill 2102 to crack down on unethical roofing practices, reinforcing the requirements already in place under Texas Insurance Code §707.002 , which mandates that homeowners must pay their insurance deductible out of pocket. This law applies to all property insurance claims and especially targets roofing contractors who offer to cover or hide deductible costs.
According to the law, roofing contractors are explicitly prohibited from waiving, absorbing, rebating, or otherwise offsetting a homeowner’s insurance deductible. Violations of this law constitute a Class B misdemeanor, which can lead to criminal penalties including up to 180 days in jail, a fine of up to $2,000, or both.
Even more concerning, homeowners who knowingly collaborate with contractors to avoid paying their deductible could also face the consequences of insurance fraud, and denial of their insurance claim. That “free roof” might end up costing more than you ever expected.
Texas law also requires that any roofing contract over $1,000 must include a clear notice in bold 12-point font stating that the homeowner is legally required to pay their deductible. If your contractor fails to include this language, it’s not just an oversight, it’s a red flag.
Why This Law Exists
Texas is no stranger to severe weather, especially hailstorms and high winds. With thousands of roofing claims filed every year, unscrupulous contractors sometimes exploit this demand by offering deals that seem too good to be true.
The purpose of HB 2102 and related insurance laws is to:
- Combat insurance fraud: Prevent contractors from inflating costs to the insurer to cover “waived” deductibles.
- Protect homeowners: Ensure that you receive quality work without being misled or taken advantage of.
- Ensure industry transparency: Legitimate contractors can compete fairly when everyone plays by the same rules.
When contractors offer to “eat the deductible,” they typically compensate by using substandard materials, rushing jobs, or inflating invoices sent to your insurance provider. This not only puts your home at risk but could also result in long-term repair issues and future claim denials.
Red Flags to Watch For
If you’re shopping for a roofing contractor, be aware of the warning signs that suggest a roofer may not be operating legally or ethically:
- Promises of a “free roof” or offers to “waive your deductible”
- Contracts that are missing the required deductible disclosure
- High-pressure sales tactics, especially right after a storm
- Offers to “handle everything” with the insurance company without providing detailed estimates or documentation
- A lack of transparency or reluctance to answer questions about pricing or materials
- No local office for you to visit
These behaviors are often used by storm-chasers or fly-by-night contractors looking to make a quick profit before disappearing. Don’t be rushed into a decision—take your time, do your homework, and work with a reputable roofer.
What You Should Do
To stay compliant with Texas law and avoid unnecessary risks, here are steps every homeowner should follow:
- Budget to pay your deductible: Understand that your deductible is your financial responsibility and plan for it accordingly.
- Ask for transparency: Be sure the contract says that it will replace everything shown on the insurance claim, and notes any exceptions.
- Get documentation: Keep written proof of your deductible payment (such as a check, receipt, or credit card transaction).
- Review your contract: Make sure it includes the required legal notice about your obligation to pay the deductible.
- Choose wisely: Hire a local, insured, and experienced contractor who follows state laws and industry best practices.
Following these steps not only protects you legally but also ensures you’re getting high-quality work that will stand the test of time.
How KangaRoof Protects You
At KangaRoof, we understand how stressful roof damage and insurance claims can be. That’s why we’re committed to doing business the right way—with integrity, transparency, and full compliance with all Texas laws. When you choose us, you can rest easy knowing:
- We never waive deductibles or cut corners
- Our contracts clearly explain your rights and responsibilities
- We provide transparency
- We help guide you through the insurance claims process without overstepping legal boundaries
- We offer financing options to help you responsibly manage out-of-pocket costs
- Our workmanship is backed by warranties that ensure long-term peace of mind
Whether you’re dealing with hail damage, wind damage, or just need a full roof replacement, our team is here to help you every step of the way.
Final Thoughts
If a roofing offer sounds too good to be true, it probably is. In Texas, your deductible is your responsibility and that’s the law. Don’t let shady contractors put your home or your finances at risk.
Instead, choose a roofer who values honesty, quality, and legal compliance. At KangaRoof, we believe every homeowner deserves expert service without surprises, shortcuts, or scams.
Have questions about your deductible or need an estimate after a storm? Contact us today for honest, reliable service that puts your home first.
