Texas Law
Insurance
All roofing companies in Texas must carry liability and workers’ compensation insurance to legally work on your roof. They should show proof of insurance and further demonstrate they have the experience to handle your specific type of roof. In some cases contractors have been caught carrying around fraudulent insurance documents. Don’t just trust anyone, call the insurance company on the document and verify for yourself. At Queen Bee we are fully insured and bonded up to $1 million in coverage.
Licensing
The State of Texas does not require roofers/roofing companies or general contractors to hold formal licensing to operate. This means anyone who purchases the correct insurance can sell you roofing/contracting services and opens consumers up to unscrupulous providers. At Queen Bee we operate at the highest standards and hold a license with the Roofing Contractors Association of Texas as well as being fully bonded up to $1 million in coverage. Our crew is highly trained and licensed to provide you with the best service possible. Your home is your biggest asset, don’t trust it to an unlicensed “professional”.
Deductibles
It used to be a common practice for roofing and General contracting companies to offer to assist with, or waive altogether, the cost of insurance deductibles in order to land a job. However, a law was passed in 2019 (House Bill 2102, see below for exact wording) which made this practice illegal. Any roofer that offers to cover deductibles today faces potential jail time and substantial fees.
The HB2102 Texas deductibles law states the following:
Sec. 27.02. GOODS OR SERVICES PAID FOR BY INSURANCE PROCEEDS: PAYMENT OF DEDUCTIBLE REQUIRED [CERTAIN INSURANCE CLAIMS FOR EXCESSIVE CHARGES].
(A) In this section, “property insurance policy” has the meaning assigned by Section 707.001, Insurance Code.
(B) A contract to provide a good or service that is reasonably expected to be paid wholly or partly from the proceeds of a claim under a property insurance policy and that has a contract price of $1,000 or more must contain the following notice in at least 12-point boldface type: “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.”
