Will My Insurance Company Waive My Deductible?

What Texas law actually says about roof deductibles

This is one of the most searched questions homeowners have after storm damage, and the honest answer is not what many hope to hear. Understanding the real rule protects you from a common scam pattern.

• Texas Insurance Code specifically prohibits roofing contractors from advertising, offering, or implying that they will pay, waive, or rebate a homeowner's insurance deductible.
• This law exists because deductible-waiving offers have historically been used to inflate invoice amounts to insurers, which is a form of insurance fraud - homeowners who accept these offers can be implicated too.
• If a contractor tells you they can 'get your deductible waived' or 'make the insurance pay for everything,' treat that as a red flag, not a benefit.
• The deductible is your responsibility as the policyholder, regardless of which contractor performs the work.
• Legitimate contractors will discuss financing options for your deductible portion rather than offering to eliminate it entirely.
• If you're unsure whether an offer crosses this line, you can verify current requirements directly with the Texas Department of Insurance.

Questions to ask before hiring based on deductible claims

• If a contractor mentions deductible waiving in any form, ask them to clarify exactly what they mean in writing - a legitimate contractor should be able to explain financing options without implying the deductible itself disappears.
• Verify the contractor's license and standing directly rather than relying solely on their own claims about insurance handling.
• Ask whether the contractor will help document damage for your claim without altering or inflating any figures.
• If a written estimate seems to match your deductible amount suspiciously precisely, ask directly how that number was determined.

Frequently Asked Questions

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