Keep proof of payment
Your insurer may request a canceled check, card statement, receipt, or payment-plan documentation showing that you paid the deductible.
Texas property insurance claims
Know the law before a contractor promises to “cover” your deductible.
Texas law requires an insured property owner to pay the deductible that applies to a claim. Contractors cannot legally waive, absorb, rebate, credit, or otherwise help a customer avoid paying it.
The straightforward rule
If your insurance policy requires a deductible, you are responsible for paying it.
Texas HB 2102
What contractors are prohibited from doing
A contractor paid from property-insurance proceeds may not knowingly help the insured avoid the deductible. That includes disguising the waiver through pricing, credits, rebates, or other arrangements.
- Paying or waiving the deductible
- Absorbing it into the job price
- Offering a rebate, credit, or offset
- Inflating an estimate to hide the deductible
- Otherwise helping the policyholder avoid payment
Protect yourself
Keep the claim and payment process transparent.
Question “free roof” promises
A contractor offering to erase your deductible may be misrepresenting the repair cost or planning to cut corners on the work.
Choose clear documentation
Use a written scope and estimate, ask questions, and speak with your insurer before agreeing to any unusual payment arrangement.
Official guidance
Read the Texas Department of Insurance guidance.
This page provides general information, not legal advice. Policy terms and individual circumstances vary. Contact your insurer or a qualified Texas attorney for advice about a specific claim.
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