Home › Can a roofer waive or pay my insurance deductible in Texas?

Can a roofer waive or pay my insurance deductible in Texas?

A person insured under a property insurance policy must pay any deductible on a first-party claim. (source: Texas Legislature)

A seller who will be paid from a property insurance claim commits an offense if, without the insurer's consent, it pays, waives or absorbs the deductible, gives a rebate or credit that offsets it, or helps you avoid paying it in any other way. The offense is a Class B misdemeanor. (source: Texas Legislature)

When the law took effect in 2019, TDI said violators could get up to a $2,000 fine and up to six months in jail. (source: Texas Department of Insurance)

The notice in your contract

A contract of $1,000 or more that is expected to be paid from a property insurance claim must contain a notice, in at least 12 point bold type, that Texas law requires the insured person to pay any deductible. (source: Texas Legislature)

Your insurance company may ask for proof that you paid the deductible. (source: Texas Department of Insurance)

Report a contractor who offers to waive a deductible to the Attorney General at 800-621-0508. (source: Texas Department of Insurance)

On this site: Do roofers need a license in Texas? · Can a roofer waive or pay my insurance deductible in Texas? · Texas roof insurance claim deadlines · Coastal roofs: TWIA coverage and the WPI-8 · Storm chaser roofers: how to spot a Texas roofing scam · How to hire a roofer in Texas · Hail damaged my roof. What do I do first? · Do I need a permit to replace my roof in Texas? · Texas roofing fees, penalties and numbers · Where to complain about a roofer in Texas · Cities · FAQ · Sources

Sources

Last updated: