Can a Roofer Really Pay Your Deductible in Texas? Here's What You Need to Know
When your home sustains damage and you’re dealing with an insurance claim, you may hear
contractors say things like: “We’ll cover your deductible,” or “No out of pocket for you.” At
first glance it sounds like a win — however, in Texas, those offers are not just unethical—they’re
illegal.
As your trusted partner in property management and investment protection, 2912 Realty
wants you to know your rights, the law, and how to navigate the situation without putting your
home or claim at risk.
What the Law Requires
In 2019, Texas passed House Bill 2102, which prohibits contractors (including roofers) from
paying, waiving, or offsetting your deductible when they’re performing work that is at least
partially paid for by your insurance claim.
Key points:
– As the policyholder, you must pay the deductible for your covered claim.
– Contracts over $1,000 tied to insurance claims must include the bold legal notice required
by law.
– Contractors who absorb or waive deductibles risk a Class B misdemeanor, with fines and
potential jail time.
– Your insurer can withhold payment until you prove you paid your deductible.
Why This Matters to You
When contractors offer to “take care of your deductible,” they often inflate prices, use cheaper materials, or falsify invoices to hide the cost. That’s insurance fraud, and it can harm both your finances and your property value. Your insurance company can also delay or deny portions of your payout without proof that you paid your deductible.
How to Protect Your Investment
1. Ask direct questions — walk away from “no deductible” offers.
2. Review your contract for the required Texas disclosure.
3. Keep receipts showing your deductible payment.
4. Hire local, licensed professionals with proven reputations.
5. Avoid any schemes or inflated invoices.
Bottom Line
If a deal sounds too good to be true, it probably is. The deductible is your responsibility under
Texas law — and any contractor that says otherwise is crossing a legal line.
By staying informed and partnering with trusted professionals, you protect your property, your
investment, and your peace of mind.
Written by Kevin Martin, CEO, and Anna King, Asset Manager for 2912 Real Estate Services
We specialize in managing mid-to high-tier single-family and condo properties throughout Texas, helping owners protect and grow their investments through smart, cost-effective upgrades.
