Texas Roof Deductible Law

The new laws texas hb 2102 have to do with insurance claims on roof repairs replacements.

Texas roof deductible law.

A new law if approved by gov. Under texas house bill 2102 approved in the most recent legislative session roofing contractors who offer to waive a homeowner s deductible on their property insurance policy could face jail time. It is not a completely new law but rather a clarification and more carefully worded version of the deductibles law that has been around for years. Hb2102 prohibition against waiving of deductibles available here the waiving of deductibles has been improper in texas since 1989.

Hb2102 is the new deductible law that went into effect september 1 st 2019 only 3 months after it was signed by the governor. This is usually done with a depreciation schedule. The first full paragraph states. So roofers are now required to state in their contract in boldface language that you must pay the deductible under your property insurance policy.

Specifically the payment of the deductible of which the homeowner is responsible for paying. Under the recently approved texas house bill 2102 any roofing contractor that offers to waive your deductible on your property insurance could be facing criminal charges. Let s say it will cost 20 000 to replace your 10 year old roof after hail damage and your home policy has a 3 000 deductible. A new state law makes it clear that it s illegal for a contractor or roofer to waive an insurance deductible.

Unfortunately due to a poorly worded statute many. Roofers who waive deductibles are cutting corners. To get the job texas roofers often offer homeowners a free roof by agreeing to pay the homeowner s insurance deductible. This new law will help further protect consumers said texas insurance commissioner kent sullivan.

It is a win for reputable contractors as it will punish contractors who waive or otherwise don t collect insurance deductibles from their clients. A policy with actual cash value coverage will take into account the age of your roof. Take your business elsewhere. This new law will help further protect consumers.

The new law entitled payment of insurance deductible goes into effect september 1 2019 and will be located in chapter 707 of the texas insurance code. Abbott is designed to end the illegal. This law takes effect september 1 2019. Take your business elsewhere texas insurance commissioner kent sullivan.

Payment of deductible required. A new state law makes it clear that it s illegal for a contractor or roofer to waive an insurance deductible.