Why Waiving Deductibles Is a Red Flag

When a storm hits, homeowners often find themselves overwhelmed with decisions. Between dealing with insurance, assessing damage, and choosing a roofing company, the process can feel daunting. In times like these, it’s tempting to go with a company that promises to “waive your deductible.” After all, who doesn’t want to save money?

But here’s the truth: if a roofing company offers to waive your deductible, it’s a red flag.

At our family-owned roofing company, we take pride in serving the Dallas-Fort Worth area and West Texas with honesty, transparency, and integrity. Let’s break down what waiving a deductible really means—and why we choose a different path.

What Does “Waiving Your Deductible” Mean?

Your deductible is the portion of your insurance claim that you’re responsible for paying out-of-pocket. When a roofer says they’ll “waive” this cost, they’re offering to cover it themselves, usually by inflating the invoice sent to your insurance company.

In simple terms, it’s insurance fraud.

Why It’s a Red Flag

1. It’s Illegal in Texas: As of September 1, 2019, Texas law (HB 2102) makes it illegal for contractors to pay, waive, or absorb a homeowner’s deductible. Roofing companies that ignore this law are putting homeowners at legal and financial risk.

   
   

2. It Undermines Trust : If a company is willing to bend the rules to win your business, what else are they willing to compromise on? Materials? Workmanship? Warranty? Your home is too important to entrust to someone who cuts corners.

   
   

3. It Puts You at Risk: Participating in a fraudulent claim—even unknowingly—can lead to denied claims, canceled policies, or worse. You may end up paying more in the long run than the deductible you were trying to avoid.

We Do Things Differently

We believe in doing the right thing, every step of the way. When you work with our team, you’ll get:

• Transparent estimates with no hidden costs

• Clear communication with you and your insurance provider

• High-quality workmanship backed by trusted warranties

• Honest guidance on navigating your insurance claim legally and ethically

We’ve built our reputation by serving families and businesses across Dallas-Fort Worth and West Texas with professionalism and integrity. As a family-owned company, we treat every home like it’s our own—and every customer like a neighbor.

Integrity Isn’t Just a Word—It’s Our Way of Doing Business

In an industry where trust is everything, we’re proud to set ourselves apart by doing things the right way. If you’re facing storm damage and looking for a roofing company that’s committed to honesty, quality, and service, we’re here for you.

Reach out today for a free, no-pressure roof inspection. We’ll walk with you through every step—no shortcuts, no surprises, just honest work you can count on.