The importance of paying your deductible when replacing your roof.

Roof Replacement Aerial
Roof Replacement Aerial

On September 1, 2019, Texas House Bill 2102 came into effect, bringing about significant changes in the realm of roof replacement deductibles. This legislation aims to address concerns within the roofing industry, specifically the practice of contractors waiving or refunding deductibles on roof claims. This article will explore the details of Texas House Bill 2102, its implications for deductibles when replacing a roof, and the potential ramifications for contractors who choose to waive or refund these deductibles.

Understanding Texas House Bill 2102

Texas House Bill 2102 was introduced to regulate the relationship between homeowners, insurance carriers, and contractors involved in roof replacement projects. The key aspect of the bill focuses on the prohibition of contractors waiving or refunding insurance deductibles on roof claims, except in specific circumstances.

Deductibles and Roof Replacement

Typically, when homeowners file an insurance claim for roof damage, they are responsible for paying a deductible before the insurance coverage kicks in. The deductible is a predetermined amount agreed upon in their insurance policy. Prior to the implementation of House Bill 2102, some contractors would offer to waive or refund this deductible as an incentive to secure the job. This practice is considered problematic because it often leads to inflated billing, insurance fraud, and reduced quality in roof replacements.

Impact of House Bill 2102

The passing of Texas House Bill 2102 aims to curb the aforementioned issues associated with deductible waivers or refunds. The bill prohibits contractors from offering to pay, waive, rebate, or promise to pay any portion of a homeowner’s insurance deductible. By doing so, it promotes transparency, discourages fraud, and ensures that homeowners receive accurate estimates for roof replacements.

Ramifications for Contractors

Contractors who violate the provisions of House Bill 2102 by waiving or refunding deductibles can face severe consequences. Violations can result in criminal charges, civil penalties, the suspension or revocation of licenses, and potential damage to their reputation. It is essential for contractors to understand and comply with the new legislation to avoid legal issues and maintain ethical practices.

Importance of Compliance

The implementation of House Bill 2102 emphasizes the importance of fair business practices within the roofing industry. By eliminating the practice of waiving or refunding deductibles, the bill ensures that homeowners receive accurate estimates and quality workmanship without compromising insurance integrity.


Texas House Bill 2102, enacted on September 1, 2019, serves as a significant regulation within the roofing industry, particularly concerning deductible waivers or refunds. By prohibiting contractors from waiving or refunding deductibles, this legislation promotes transparency, discourages fraud, and maintains the integrity of insurance claims. Contractors must comply with the bill’s provisions to avoid legal consequences and uphold ethical practices. Homeowners can now be confident in receiving accurate estimates and quality roof replacements without compromise.

Published by Mat

Hi I am Mat the general manager of Rock-Crete and a full time firefighter in our great community.

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