“Texas law requires a person insured under a property insurance policy to pay any deductible applicable to a claim made under the policy. It is a violation of this Texas law for a person or business paid wholly or partly from proceeds of a property insurance claim to knowingly allow the insured person to fail to pay, or assist the insured person’s failure to pay, the applicable insurance deductible.”
No. Under Texas House Bill 2102, it is illegal for any contractor to pay, waive, absorb, rebate, or offset your deductible. Doing so can result in criminal charges for both the homeowner and the contractor.
Yes. Texas law requires homeowners to pay the full insurance deductible themselves. Your insurance company may even request proof, such as a canceled check, credit card statement, or financing documentation, before releasing final funds.
If your contractor helps you avoid paying it, both you and the contractor could face legal penalties, including a Class B misdemeanor, fines up to $2,000, and possible jail time.
We follow the law. We’ll never offer to waive or cover your deductible, but we can help you explore safe, legal financing options if needed. We’re here to support you every step of the way.
We know the insurance process can be confusing, but we’re here to make it easier. Our crew is ready to answer any questions you have about your claim, the law, and how to stay fully compliant while restoring your roof with quality materials and expert workmanship.
Best Choice Roofing is an independent contractor and is not an affiliate of Owens Corning Roofing and Asphalt, LLC or its affiliated companies. THE PINK PANTHER™ & ©Metro-Goldwyn-Mayer Studios Inc. All Rights Reserved.
