Do I really have to pay my deductible on a roof claim?
Yes. Your deductible is your share of the claim under your insurance policy, and Texas law does not allow a contractor to waive, absorb or rebate it. If paying the deductible all at once is difficult, ask your roofer about financing.
What the law says
Texas law prohibits a contractor from paying, waiving, absorbing or rebating a homeowner's insurance deductible, or advertising that they will. Insurance companies can also ask for proof that the deductible was paid before they release the rest of the claim payment.
A contract or invoice that hides the deductible can cause problems for the homeowner as well as the contractor, so it is best to make sure your paperwork matches the work being done.
Why it matters
When a contractor offers to cover a deductible, the money has to come from somewhere, and it often comes out of the quality of the roof. Paying your deductible keeps the claim straightforward and makes sure the roof is built to the scope your insurance company approved.
How financing can help
If paying your deductible at once is a strain, financing lets you spread the cost over time. MD Roofing offers financing. Call (214) 402-5385 to learn more.
Related Questions
What happens if the deductible is not paid?
Your insurance company may hold back part of the claim payment until it receives proof that the deductible was paid.
Can I pay my deductible over time?
Yes, if your roofer offers financing. MD Roofing offers financing.
