The Official Blog of State Roofing Company
Blog Page
No Waving of Deductibles Bill: Texas HB 2102
Since 1989, waiving insurance policy deductibles has been common place in Texas (and came about as the result of a poorly worded statute passed that same year). Contractors who have broken the 1989 law by waving deductibles (specifically roofing contractors) have been putting homeowners at risk, too. Homeowners are lured into signing contracts with these “deductible eaters” based on promises of a “free roof” or “lower deductible”. And then, homeowners/policyholders are duped into committing insurance fraud when in submitting a request pursuant to their policy for replacement cost (RCV) hold-back, they failed to tell their insurance company that the deductible part of the claim had not been incurred.
In May 2019, the 86th Texas Legislature passed two bills pertaining to the roofing industry. HB 2102 – Prohibition Against Waiving of Deductibles is extremely important to read and understand for contractors and homeowners alike.
SECTION 2. Section 27.02, Business & Commerce Code:
| (b) “Texas law requires a person insured under a property | ||
| insurance policy to pay any deductible applicable to a claim made under the policy. It is a violation of Texas law for a seller of goods or services who reasonably expects to be paid wholly or partly from the proceeds of a property insurance claim to knowingly allow the insured person to fail to pay, or assist the insured person’s failure to pay, the applicable insurance deductible.” | ||
(d) An offense under this section is a Class B misdemeanor.
SECTION 5.
This Act will take effect September 1, 2019.
It is extremely important to be educated on the matter so that you do not find yourself in trouble due to misinformation. If your contractor does not have Section 2 of this bill in the contract, BEWARE.
Hand Nail VS. Nail Gun
At State Roofing Company we only HAND NAIL, and here is why:
Improperly nailed roofs can be more susceptible to leaks and damage from storms. Ideal nail placement on roof shingles is limited to a very small area. If the nail is driven outside that area, it could impair the roof and void the manufacturer’s warranty. Contractors who hand nail can feel whether or not the nail catches the wood, but don’t get that same feeling with a nail gun. Hand nailing also ensures accurate placement of nail on designated nail line. Nail guns can drive nails between boards or outside the ideal placement area which will loosen over time, eventually causing raised shingles or leakage.
Roof Of The Week
State Roofing Company installs another GAF Roof System with a Silver Pledge Warranty. This HAND NAILED roof system consists of the GAF Timberline HD Lifetime Shingles in Charcoal, Pro-Start starter strip, High Profile Z-Ridge, Stormguard and brand new gutters. The old roof system was damaged from the recent hail storm in May. It was paid for by the homeowners insurance carrier. HAPPY CUSTOMER!!
Roof Of The Week
State Roofing Company installs another roof system. This HAND NAILED roof system consists of the Tamko Heritage Shingles in Painted Desert. This roof was completed in two days!
Have Your Contractor Present During Your Insurance Assessment
Having a contractor present in most cases is recommended, but is not required. Having an experienced insurance restoration contractor present during the inspection can definitely assist in expediting a successful and fair insurance assessment. A quality, integrity driven contractor like State Roofing Company can significantly increase the value of your claim.
