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Property Insurance Deductibles

HB2102 - House Bill 2102

Definition of a Property Insurance Deductible

A property insurance deductible is the amount of money you, the policyholder, are responsible for paying out-of-pocket before your insurance company begins to cover the costs of a covered claim.

How it Works

  • You File a Claim: Let’s say a storm damages your roof, and the repairs will cost $10,000.
  • You Have a Deductible: Your policy has a $1,500 deductible.
  • You Pay Your Deductible: You’ll be responsible for paying the first $1,500 towards the repairs.
  • Insurance Covers the Rest: Your insurance company will cover the remaining $8,500 (up to your policy’s coverage limits). 


Types of Deductibles

  • Flat Dollar Amount: A fixed amount like $500, $1,000, etc.
  • Percentage: A percentage of your home’s insured value (e.g., a 2% deductible)


Key Point: Higher deductibles generally mean lower insurance premiums, but you’ll pay more out-of-pocket if you need to file a claim.

What the HB2102 Deductibles Law Says

The HB2102 Texas deductibles law states the following: 



Texas homeowners: Beware of ‘free roof’ scams! HB2102 protects you from dishonest roofers.

In the past, shady Texas roofers might have offered to waive your insurance deductible for “free roofing services”. This is now illegal under the HB2102 Texas deductible law. This law safeguards experienced homeowners like you from fraudulent practices.


Texas HB 2102: What Homeowners Need to Know About Roofing Repairs

Texas homeowners, if you’re facing roof damage – especially after a storm – understanding House Bill 2102 (HB 2102) is crucial for making informed repair decisions. This law aims to protect homeowners, curb insurance fraud, and level the playing field for reputable roofing contractors.

Key Points of HB 2102

  • Mandatory Deductible Payment: Homeowners MUST pay their insurance deductible in full.
  • No More “Free Roofs”: Contractors can’t waive, absorb, rebate, or offset your deductible. Offers promising this are illegal.
  • Protecting Yourself: Knowingly allowing a contractor to cover your deductible makes you complicit in potential insurance fraud.


How HB 2102 Impacts Storm Damage Restoration

  • Contractor Selection: Choose reputable roofers who follow the law. Seek multiple estimates and verify a contractor’s licensing and insurance.
  • Cost Transparency: Expect clear contracts detailing costs and your obligation to pay the deductible.
  • Quality over Price: Focus on quality workmanship that protects your home long-term, not just the cheapest quote.


Why HB 2102 Matters

  • Reduces Insurance Fraud: This protects everyone by keeping insurance premiums in check.
  • Ensures Fair Competition: Reputable contractors can compete on quality, not illegal practices.
  • Homeowner Protection: You avoid unknowingly getting involved in fraudulent activity.


Atrium Roofing: Your HB 2102 Compliant Partner

At Atrium Roofing, we prioritize transparency and integrity. We’ll guide you through the insurance claims process, ensuring compliance with HB 2102. Here’s what you can expect:

  • Detailed Estimates: Clearly outlining all costs, including your deductible.
  • Insurance Expertise: Help navigating claims and understanding your coverage.
  • Premium Workmanship: High-quality repairs to restore your roof’s integrity.


Don’t Let Storm Damage Linger – Contact Atrium Roofing Today!

Do I need to pay my deductible?

Absolutely! In Texas, House Bill 2102, also known as the “HB2102 Deductible Law,” requires homeowners to pay their deductible when filing a roof damage claim. This means you’ll be responsible for a set amount upfront before your insurance kicks in.

Beware of contractors offering to cover your deductible! It’s illegal in Texas and could be a sign of shoddy workmanship or potential scams. Focus on finding reputable, licensed roofers in Austin or San Antonio who prioritize quality repairs and transparent communication.

Here are some resources for Texas homeowners with roof damage:


Remember, prioritizing a qualified roofer over someone offering to waive your deductible protects your investment and ensures a lasting roof repair.

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