Do I have to pay my homeowner’s deductible?

The bustling city of Dallas, with its iconic skyline, occasionally faces the wrath of storms that can wreak havoc on residential roofs. As homeowners confront the prospect of a roof replacement, a pressing question often arises: “Do I have to pay my deductible?” The short answer is, yes. At DFW Roofers, we recognize the significance of this inquiry and aim to shed light on insurance deductibles, drawing attention to relevant Texas laws and recent examples of legal consequences.

Under Texas law, it is imperative to understand the role of insurance deductibles in the context of roof replacement. The Texas Insurance Code (§ 707.002) clearly outlines that policyholders must pay the applicable deductible stated in their insurance policies.

Also, (86R) Texas HB 2102 specifically prohibits roofing contractors from paying deductibles for homeowners in Texas. The law, officially known as the Payment of Insurance Deductible Bill, was signed by Governor Greg Abbott in June 2021 and went into effect on September 1, 2021. Attempting to avoid this responsibility can lead to legal repercussions.

A simple Google search will show that Texas authorities have taken a stringent stance on insurance fraud, including cases related to deductible evasion. In recent instances, individuals attempting to circumvent deductible payments have faced legal consequences, including arrests and criminal charges. These examples serve as a stark reminder of the importance of adhering to the law and maintaining integrity throughout the insurance claims process.

At DFW Roofers, we prioritize transparency and adherence to Texas laws. Our commitment to free consultations extends beyond providing cost estimates; it includes educating homeowners on the legal implications of deductible evasion. We believe that an informed homeowner is better equipped to make sound decisions for their property.

Understanding your insurance policy and the applicable deductibles is crucial. DFW Roofers specializes in helping homeowners navigate the complexities of insurance claims while staying within the bounds of the law. Our team is committed to providing transparent communication to ensure a seamless and lawful process.

As you navigate the intricacies of roof replacement in Dallas, DFW Roofers is your trusted partner. With a focus on the legal aspects surrounding insurance deductibles, we empower homeowners to make informed decisions within the bounds of Texas law. Remember, compliance is not just ethical; it’s a legal obligation. At DFW Roofers, we strive to ensure your roofing experience is not only excellent but also conducted with integrity.


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