13509 Lyndon B Johnson Freeway, STE 200, Garland, Texas 75041.

Call our main line: 972-333-2095 or Call 469-881-8282 for 24-hour service

Call Our Main Line 📞 972-333-2095 24hr Service: 469-881-8282

Texas Deductible Law HB 2102 Explained

Important Update for Homeowners: Understanding the new Texas Roofing Law can save you from confusion and ensure your roof replacement is handled legally and professionally.

1. How Insurance Pays for a Roof Claim in Texas

Most Texas homeowners have a Replacement Cost Value (RCV) policy. Insurance pays in two steps:

Step 1 — ACV Payment (First Check)

Depreciated value of the roof
Paid immediately after the adjuster writes the estimate

Step 2 — Depreciation (Second Check)

Withheld amount
Released after repairs are completed
Requires a contractor invoice showing the actual cost of repairs

Important:

Insurance only pays the actual cost of repairs. If the job costs less than the estimate, the insurance company reduces the payout. Homeowners do not keep the difference on an RCV policy.

2. Texas Deductible Law (HB 2102)

Texas law requires homeowners to pay their deductible. It is illegal for any contractor to:

Waive the deductible
Pay the deductible
Rebate the deductible
Hide the deductible in the estimate

Insurance companies require proof of deductible payment before releasing depreciation.

3. Why Homeowners Cannot Keep Extra Insurance Money

Texas follows the principle of indemnity:

Insurance restores your home to pre-loss condition — it does not allow profit.

If a contractor gives a cheaper estimate, insurance will:To change and reuse text themes, go to Site Styles.

Lower the total payout
Reduce or eliminate depreciation
Only pay the actual repair cost

This applies even when subcontractors are used.

**4. When Homeowners Can Keep Savings**

There are only three legal exceptions:

ACV-Only Policy — No depreciation; homeowner may keep savings.
DIY Repairs — If the policy allows it, labor savings may be kept.
Small leftover amounts — Some carriers do not reconcile tiny differences.

5. How Amerishield Uses Subcontractors (Full Transparency)

Amerishield uses certified subcontractors — standard practice in Texas roofing.

Homeowners Are Fully Protected Because:

Amerishield pulls the permit
Amerishield provides the warranty
Amerishield carries the insurance
Amerishield manages and supervises subcontractors
Amerishield is responsible for the entire job

Subcontractors are labor working under Amerishield’s license and insurance.

Insurance pays based on Amerishield’s invoice — not the subcontractor’s rate.

6. How Amerishield Protects Homeowners

Licensed, bonded, insured
Follows Texas deductible law
Provides written contracts
Pulls all required permits
Provides workmanship warranties
Uses certified subcontractors
Provides proper invoices for depreciation release
Ensures full compliance with Texas insurance law

7. How Amerishield Protects Itself (And You)

Mechanic’s lien rights
Signed contracts
Payment schedules
Change orders
Subcontractor agreements
Insurance compliance
City contractor registration & bonding

Ready for peace of mind?

Contact us now to schedule your free roof inspection

At AmeriShield Storm Pros, our roofing specialists are ready to inspect your roof, walk you through your options in clear, straightforward terms, and help you choose the best path forward with confidence.

Free, no-obligation inspection and report
Available for residential, commercial, and industrial roofs
Support for storm damage and insurance claims
Service in 40+ countries and growing

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Call our main line:

972-333-2095

or Call 469-881-8282

for 24-hour service

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