When a roof replacement is funded through an insurance claim in Texas, the final pricing is strictly bound by state law under Texas Insurance Code Chapter 707 (originally enacted as House Bill 2102). For an insurance carrier to release the full Replacement Cost Value (RCV)—which includes the withheld recoverable depreciation check—the roofing company is legally required to invoice for the full, actual amount of the insurance company's approved scope of work.

Furthermore, Texas law explicitly makes it a criminal offense (a Class B misdemeanor) for a contractor to waive, rebate, credit, or "eat" any portion of a homeowner's insurance deductible. Because we must provide verifiable proof of payment (such as matching final invoices and payment receipts) to the insurance company to release your final funds, a legitimate Texas roofing company cannot alter the RCV pricing or adjust the scope to absorb your deductible. Doing so constitutes insurance fraud for both the contractor and the policyholder.

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Since all roofers by TX Law SHOULD be at the same number - we offer several incentives over and above that provide you with a BETTER quality roof! Insurance claim jobs get 1) a FREE upgrade of your choice (can be ventilation upgrade, shingle upgrade, etc) which can dramatically improve your roof's performance in the future, 2) 'High Wind' Installation which provides up to +50% extra protection against high winds, and  3) Reinforced Pipes & Valleys (the most vulnerable points on your roof).