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No Waving of Deductibles Bill: Texas HB 2102

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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.

Need A Roof Repair? Top 7 Things To Look For:

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Need Roof Repair?

Don’t wait until you see a leak to call State Roofing. Regular maintenance helps prolong the life of your roof. It also stops small problems before they become BIG!

Look out for these 7 signs that you need roof repair:

  1. Curled, Cracked, or Missing Shingles: Take a close look at the shingles, if the shingles are curling at the ends or if they’re cracked, they are nearing the end of their lifespan. If there are missing shingles, that’s a big sign you need some roof repairs.
  2. Shingle Granules in the Gutter: If you see something that looks like black sand in your gutters, this is a sign that your shingles are wearing. It’s possible you will need a new roof, however, repairs may buy you some time.
  3. Look for Wear and Tear Around Roof Objects: Areas around the chimney, vent pipes and other objects on your roof are subject to wear first. Take a careful look at these areas. If you see signs of wear, it’s possible minor roof repairs will fix the situation. Get these areas looked at by State Roofing ASAP to avoid leaks.
  4. Check the Attic: If you don’t go in your attic on a regularly, you need to start. There could be leaking that hasn’t made its way to your ceiling. If you do see some water, it’s possible you need repairs. Also look for light peeking through. If light can come through, water can as well.
  5. Sagging Rafters: While you are in your attic, take a look at the rafters. If they are sagging that could be a sign of moisture leaking into the attic from the roof.
  6. Ceiling and Wall Stains: Leaks aren’t always big, and you may not notice a small stain. Take a few minutes now and then to inspect the ceiling and walls for stains. Have your roof checked by State Roofing at the sign of any stains.
  7. Blistering and Peeling Paint: A poorly ventilated roof allows moisture and humidity buildup near the roofline. If you see peeling paint near the roofline, call State Roofing.
  8. Call State Roofing Company: Now you know how to determine if you need roof repair. Routine maintenance helps avoid the need for an expensive premature roof replacement. But if you need a new roof, don’t put it off. It could cost you more than a roof if you wait too long!

 

Choosing a Roofing Contractor

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Choosing the right roofing contractor can be a daunting task. Many times, a homeowner is in need of a roofing contractor because they have unexpectedly been struck by a sudden hail or windstorm that has left their roof severely damaged. Selecting a roofing contractor becomes even more challenging because it was so unexpected, and many homeowners only replace a roof once every 15-20 years, something they are not very familiar with. Not to mention when severe weather hits, roofing contractors from all over the country converge to the affected area, adding to the chaos and confusion for homeowners. Homeowners need to be vigilant in these times when making a roofer selection. A few helpful tips can help smooth over the process. First and foremost, never pay a contractor in advance for work that has yet to be done. Not a penny. Not even if the contractor claims to need the money to purchase materials. Any reputable roofing contract will have a line of credit at a local roofing material supplier and will be able to complete the job without any up front payment. Second, be wary of door to door roofing contractors. If a roofer has enough time to interrupt your day and knock on your door, there is usually a reason they are out begging for work. Third, you will want to select a contractor that has an actual business in your area. Too many times a roofer will have a local “office” and/or phone number listed in their literature, but it is simply a PO Box they rented as soon as the storm hit, and a burner phone they picked up on their way into town. By taking these simple factors into consideration you will be far more successful when it comes to selecting a roofing contractor that will be around, after the storm traffic has cleared, to honor their workmanship and warranties.

Hail and Wind Storm Hits College Station!

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Hail and wind storm hits College Station!

Are you aware of the hail and wind storm that occurred this Sunday evening in the Bryan & College Station area? Evidence of hail and wind damage is littered throughout neighborhoods with debris from trees. State Roofing Company has been actively replacing wind damaged roof systems for 5+ years. Call us today for a no-obligation inspection!