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How Does HB 2102 Affect Roofing?

March 4, 2020 | Blog

If you are interested in getting a new roof in Texas, it is important to know about the new law called HB 2102. Not only does it affect your contractor, but it also impacts you financially and legally. Here are a few things to know about this new house bill.

What is HB 2102?

This is a law that was signed by Governor Abbott and went into effect on September 1, 2019. HB 2102 makes it illegal for contractors to resolve, pay for, wave or decline the payment of your insurance deductible.

What does HB 2102 mean for customers looking to buy a new roof?

You should avoid contractors promising you a free roof as it is now illegal to resolve your insurance deductible. While it may seem like a kind act for homeowners who can’t afford to pay their deductible, in reality, it is causing more harm than good. By agreeing to a contractor’s offer like this, you are unknowingly committing insurance fraud. The contractor will lie to the insurance company that you paid them.

Why are contractors doing this?

There is a lot of competition between companies, and something that draws in clients is low-cost services. It’s safe to utilize deals or coupons for roofing services – but not deals or coupons dismissing the cost altogether. When contactors “wave” your payment, normally it is because they are cutting corners and/or using low-quality resources. So you may be saving money at first, but the cheaper roof won’t hold up to a correctly built roof.

What will customers have to pay for when purchasing a roof?

What you pay is up to your contractor, insurance company and you. You will have to pay your deductible once you get your quote on your new roof. In order for your insurance company to pay the rest, you must show proof that you have paid the deductible. If you have no evidence, then they have the right to deny your claim. If you do not have insurance, you will have to pay all of it in full.

At Roof Fix, we never cut corners. We want to ensure you have the best service and roofing there is! Contact us today to get the process started.

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