Texas Legislation For Roof Claims

Many of texas largest cities are located in the hail belt or tornado alley or are exposed to hurricanes along the coast.

Texas legislation for roof claims.

Payment of deductible required. Abbott is designed to end the illegal. To get the job texas roofers often offer homeowners a free roof by agreeing to pay the homeowner s insurance deductible. A new state law makes it clear that it s illegal for a contractor or roofer to waive an insurance deductible.

Take your business elsewhere. From 2004 to 2008 windstorm and hail. Hb2103 prohibition against uppa available here section 4102 163 of the texas insurance code enacted in 2013 prohibited the unauthorized practice of public adjusting by roofing contractors. This new law will help further protect consumers said texas insurance commissioner kent sullivan.

Selecting a replacement roof. Be aware that texas law prohibits public adjusters from taking part in the repair process to prevent conflicts of interest. For example roofers can t advertise that they will handle your insurance claim. You may want to consider roofing materials that are less likely to be damaged by wind hail or fire.

An obvious and good question to ask and one we will address early in this article. 11 10 independent insurance agents of texas roof claim issues in texas 1 introduction texas experiences some of the most severe weather on earth. Texas is the only gulf state without consumer protections against roofing scams. Harleysville claimed only partial damage to the roof and allocated 21 000 for roof repairs but the insured s construction expert believed the roof had to be entirely replaced at a cost of more.

The new laws texas hb 2102 have to do with insurance claims on roof repairs replacements. During the past 10 years every sizable effort to regulate the roofing industry has died in the legislature. Under texas house bill 2102 approved in the most recent legislative session roofing contractors who offer to waive a homeowner s deductible on their property insurance policy could face jail time. Roofers who waive deductibles are cutting corners.