Questions & answers · Home insurance
A roofer says he will cover or waive my deductible. Is that allowed?
Home insuranceOtherTexasChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: TDI View original ↗
In short
- In Texas, it is illegal for a contractor to waive your deductible.
- A contractor who offers may be sending false cost numbers to your insurer.
- Talk to your insurance company first.
What this means
TDI answers this question with "No." It says "A deductible is part of your home insurance policy. It's illegal for contractors to waive your deductible or help you avoid paying it." [1]
TDI says one way is a repair estimate higher than the real cost, so the extra money from the insurer covers your deductible. Rebates or credits in the amount of the deductible are also illegal [1]. TDI warns that such a contractor might be sending false information to your insurer, which would be fraud, and might make up the difference by cutting corners [1].
Your insurance company can ask for proof that you paid your deductible, such as a canceled check, money order receipt, credit card statement, or a copy of the payment plan with your contractor [1].
Your next step
If a contractor makes this offer, TDI says to talk to your insurance company first. You can also report it to the Texas Attorney General's Consumer Protection Hotline at 800-621-0508 [1]. Keep proof that you paid your deductible.
Check it yourself
Open the TDI page below and read the first two answers.
Where this comes from (1)
[1] TDI · checked 2026-11-06
No. A deductible is part of your home insurance policy. It's illegal for contractors to waive your deductible or help you avoid paying it. … One way is by giving you an estimate that's higher than the actual cost to repair your home or roof. The contractor then uses the extra money paid by the insurance company to cover your deductible. Some contractors might offer rebates or credits in the amount of your deductible.…
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
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This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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Answer id CQ7036. Spotted an error? Tell us.