When I Have a New Roof Installed, Do I Get to Keep My Insurance Deductible?

At CRC Roofers, we know that dealing with roof damage after a West Texas storm can feel overwhelming. Balancing insurance claims, property repairs, and unexpected costs is stressful. It is completely natural to look for ways to save money.

If you have heard rumors that you can save or bypass your deductible, we want to help you understand how the process works so you can protect your home, your investment, and yourself.

Understanding the Texas Deductible Law

It is common to see out-of-town contractors knock on San Angelo homeowners’ doors after a heavy storm, promising to “absorb,” “waive,” or “eat” your insurance deductible. While a “free roof” may sound like a welcome relief during a stressful time, Texas state law strictly prohibits this practice.

Under House Bill 2102, roofing contractors cannot legally pay, rebate, or offset any part of a homeowner’s deductible. This consumer protection law was enacted by the Texas Department of Insurance to protect homeowners from deceptive business practices and to maintain transparency across the industry. Lack of compliance can result in serious consequences for both the contractor and the homeowner—including charges for a Class B misdemeanor, fines, and even potential jail time.

Why Keeping Things Transparent Benefits You

When a company offers to waive your deductible, they often cut corners elsewhere to offset the cost. This can lead to:

• Lower-quality materials that cannot withstand the next big storm.
• Rushed craftsmanship that may void your roof’s long-term warranty.
• Issues with your insurance payout, as most providers now require proof of deductible payment before releasing final funds.

By working with an honest team that follows the rules and demonstrates integrity, you can know that your home receives top-tier materials, expert installation, and a valid warranty.

We Are Here to Guide You

We completely understand that paying a deductible out of pocket can be a sudden strain. And while it may be tempting to go along with the “no deductible” promise, the legal risk and peace of mind are not worth any potential savings.

While the deductibleis a required part of your policy, navigating the insurance process does not have to be a lonely or intimidating experience.

At CRC Roofers, we pride ourselves on providing clear documentation, honest damage assessments, and the professional support you need to ensure your insurance claim is handled properly from start to finish. If you want a company to walk with you through the insurance claim process or simply want to schedule a free roof assessment, give us a call today. We’re local, BBB-accredited, and will be here long after the storm is gone.