Can a Roofer eat your Insurance Deductible in Texas ?

Can a Roofer Eat Your Insurance Deductible in Texas?

When it comes to getting your roof repaired or replaced, the cost can be a major concern. One way to help reduce the cost is by paying a deductible, which is the amount of money that you are responsible for paying out of pocket before your insurance coverage kicks in. But what happens when a roofer tells you they can “eat” your deductible? Is this legal in Texas?

The short answer is no, it is not legal for a roofer to “eat” your deductible in Texas. In fact, it is considered insurance fraud and is a criminal offense. By “eating” your deductible, the roofer is essentially asking you to falsify your insurance claim by underreporting the cost of the repairs or replacement. This can result in severe penalties and fines, not just for the roofer but also for the homeowner who is involved in the process.

It is important to understand that your insurance policy is a contract between you and your insurance company. The insurance company is responsible for covering the cost of repairs or replacement, but only after you have paid your deductible. If you are unsure about the cost of your deductible, it is best to contact your insurance company for more information.

In addition, you should also be aware that if a roofer is willing to “eat” your deductible, it may be a sign that they are not a reputable or trustworthy contractor. They may be willing to cut corners or use substandard materials in order to keep the cost of the repairs or replacement low. This can lead to further problems down the road, such as leaks or other damage.

In conclusion, it is illegal for a roofer to “eat” your deductible in Texas. Not only is it considered insurance fraud, but it can also lead to serious penalties and fines. If you are in need of roof repairs or replacement, it is best to work with a reputable and trustworthy contractor, who will help you understand the cost of your deductible and ensure that your roof is properly repaired or replaced. You can investigate this information for yourself, look up the HB2101 Deductible law for the state of Texas and this clearly explains what we have detailed in this informational blog post. If you have any questions regarding your roof please call Near Me Roofing & Contracting in Texarkana, TX @ 903-949-3477 or visit our website at

Thank you

Chad Bates

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