Texas Legislation For Roof Claims

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.

Texas legislation for roof claims.

11 10 independent insurance agents of texas roof claim issues in texas 1 introduction texas experiences some of the most severe weather on earth. Many of texas largest cities are located in the hail belt or tornado alley or are exposed to hurricanes along the coast. A new state law makes it clear that it s illegal for a contractor or roofer to waive an insurance deductible. Selecting a replacement roof.

An obvious and good question to ask and one we will address early in this article. A new law if approved by gov. 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. During the past 10 years every sizable effort to regulate the roofing industry has died in the legislature.

This new law will help further protect consumers said texas insurance commissioner kent sullivan. I sent the following open and public letter yesterday regarding texas roof claims in response to texas legislation which encourages insurance companies to pay less than what is owed less than what roofing manufacturers require to be done and encourages unsafe conditions which literally kill people. From 2004 to 2008 windstorm and hail. Texas is the only gulf state without consumer protections against roofing scams.

To get the job texas roofers often offer homeowners a free roof by agreeing to pay the homeowner s insurance deductible. For example roofers can t advertise that they will handle your insurance claim. Abbott is designed to end the illegal. 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.

The new laws texas hb 2102 have to do with insurance claims on roof repairs replacements. You may want to consider roofing materials that are less likely to be damaged by wind hail or fire. Roofers who waive deductibles are cutting corners. Specifically the payment of the deductible of which the homeowner is responsible for paying.