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Why You ACTUALLY Have to Pay Your Insurance Deductible in Texas (And Why That’s a Good Thing)

  • alexanderandsonsro
  • May 4
  • 2 min read

By Alexander and Sons Roofing – Serving the Dallas-Fort Worth Area









If you’re a homeowner in the DFW area dealing with storm damage, you’ve probably heard this line before:

“We can cover your deductible!”

It sounds like a great deal… Like finding an extra fry at the bottom of the bag. 🍟

Unfortunately… it’s also illegal in Texas.


Let’s break down why homeowners in Dallas-Fort Worth are required to pay their insurance deductible, what the law says, and and why that’s actually a good thing.


The Common Misconception: "Roofers Can Waive Your Deductable"

Short answer: Nope.

Long answer: Still nope… but with legal consequences.

According to the Texas Department of Insurance, it is illegal for a contractor to waive, absorb, rebate, or otherwise help you avoid paying your deductible.


That means if a roofer says:

  • “We’ll cover your deductible”

  • “You won’t pay anything out of pocket”

  • “Insurance covers it all”

🚩 That’s your cue to politely close the door.


And the public awareness campaign Don't Fraud My Texas reinforces the message:

If someone offers to “eat your deductible,” they’re committing fraud.

The Texas Law That Changed Everything

In 2019, Texas passed House Bill 2102 to crack down on roofing and insurance fraud.

This law requires that:

  • Homeowners must pay their deductible

  • Contractors cannot offer to waive or cover it

  • Roofing contracts must include deductible disclosure language

Violations can result in serious penalties, including fines and potential legal consequences.

So yes—this isn’t just a “best practice.” It’s the law.


Why This Law Exists (And Why It Actually Helps You)

At first glance, paying your deductible might feel like the worst part of the process. But the law is designed to protect you. Three ways deductables help:

1. Prevents Inflated Claims

When contractors “cover” deductibles, they often inflate the total job cost to make up the difference. Insurance pricing is based on real costs. Inflating invoices drives up premiums for Texas homeowners.

2. Protects Work Quality

If a roofer is losing money on your deductible, they’ll likely cut corners somewhere else:

  • Cheaper materials

  • Rushed labor

  • Minimal cleanup

That “free roof” can get expensive fast.

3. Keeps You Legally Protected

Participating in a deductible waiver—even unknowingly—can put homeowners at risk of being involved in a fraudulent claim.


What a Legit Roofing Company Will Do

At Alexander and Sons Roofing, we believe in doing things the right way.

A trustworthy DFW roofing contractor will:

  • Clearly explain your deductible upfront

  • Provide a detailed, honest estimate

  • Include all required legal disclosures in your contract

  • Never promise a “free roof”

Because a quality roof isn’t built on shortcuts—it’s built on integrity.


How Insurance Companies Verify Deductible Payments

Insurance companies are stricter than ever.

They may require proof that you paid your deductible, such as:

  • A receipt

  • A canceled check

  • A financing agreement

No proof? Your claim payout could be delayed—or reduced.



Need a Trusted Roofing Company in DFW?

If your home has been hit by hail or severe weather, Alexander and Sons Roofing is here to help.

We proudly serve homeowners across the Dallas-Fort Worth area with:

  • Roof inspections

  • High-quality roof replacements

  • Honest, transparent service

📞 Call us today for a free inspection🌐 Schedule your appointment online🏠 Protect your home the right way—no shortcuts, no surprises!




 
 
 

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