What to do
- Report the claim to your insurer promptly.
- Photograph and video the damage, inside and out; keep damaged items until the adjuster says otherwise.
- Make temporary repairs (tarp the roof, cover broken windows) and keep receipts.
- Be there for the adjuster’s inspection.
- Get more than one written estimate for repairs.
- Keep a log of every conversation with your insurer.
What Texas law says contractors can’t do
| Rule | Law |
|---|---|
| Offer to waive, rebate or pay your deductible | Business and Commerce Code § 27.02 |
| Act as your public adjuster or advertise to adjust your claim | Insurance Code § 4102.163 |
| Leave out the deductible notice on insurance contracts of $1,000+ | Business and Commerce Code § 27.02 |
What a good contractor does
A contractor can inspect, document damage and give you a detailed repair estimate to share with your insurer. The claim itself is between you and your insurance company, or a licensed public adjuster you hire separately.
Common questions
Is it legal for a roofer to cover my deductible in Texas?
No. Texas law prohibits contractors from waiving, rebating or absorbing a policyholder’s deductible, and insurers can ask for proof it was paid. Report offers to the Texas Attorney General at 800-621-0508.
Can my contractor talk to my insurance company for me?
A contractor can provide an estimate and answer questions about the repair, but can’t negotiate your claim or act as your adjuster in Texas.
Sources
- Texas Department of Insurance: Roofing and insurance, know the law
- Texas Department of Insurance: After hail or windstorms
This guide is general information, not legal, tax or financial advice. Rules change; confirm details with the agency named in the sources or a licensed professional.