Homeowners should be aware of the new law that took effect September 1st 2019 (https://capitol.texas.gov/tlodocs/86R/billtext/html/HB02102I.htm
). This bill enforces the illegal act of waiving deductibles by fines and jail time. If a free roof sounds too good to be true, IT IS! The deductible constitutes the homeowner’s financial responsibility in an insurance claim. Any discount offered by a contractor would result in a savings for the insurance company and not the homeowner. For instance, if the insurance company’s estimate is for $15,000 and it is depreciated by $5,000, that would make the ACV $10,000. If your deductible is $3,000, then the initial check from your insurance company would be $7,000 (the ACV of $10,000 minus your deductible of $3,000). If you found someone to do the construction for $14,500 instead of the $15,000 the insurance estimated, then you or your contractor would have to send a final invoice for that amount to your insurance company in order to get the depreciated funds released. So if you invoice the insurance company for the $14,500, they will only release $4,500 and you have essentially saved your insurance company $500 for finding someone to do it cheaper than they allowed. On the other hand, if your contractor invoices the insurance for the full $15,000 and you only pay $14,500, your contractor has just included you in committing insurance fraud. By falsely invoicing the insurance company that the entire deductible was paid or that their estimate was paid in full, you are now exposed to being found guilty of penalties ranging up to felonies with serious jail time. Regardless, I would be leery of doing business with any contractor willing to commit a crime in order to attain your business. If he or she is willing to do that, who knows what lengths they are willing to go to when it comes to the quality of your roof and being there down the road to warranty it.