Understanding Your Insurance Deductible

Dealing with storm damage? You’re not alone.
When filing a roofing claim, many homeowners are surprised to learn they’re required by Texas law to pay their deductible out of pocket. At A.R.C., we want you to understand your rights — and avoid roofing scams that could put your home and finances at risk.

Under Texas Insurance Code §707.002, it is illegal for any contractor to waive, absorb, or rebate your insurance deductible. Doing so can lead to denied claims, cancelled policies, or worse — leaving you stuck with an uncovered roof.

Bottom line: If a roofer says you don’t have to pay your deductible — walk away.
 

At A.R.C., we:

• Follow all Texas roofing laws
   
• Review your insurance paperwork with you
   
• Document everything to make your claim strong
   
• Help you maximize coverage legally and honestly
   
• Provide clear, written estimates with no pressure
   

We get it — unexpected expenses are tough. That’s why we offer:

✅ Flexible payment options
✅ Financing programs through trusted partners
✅ Guidance on how to plan your deductible payment

🛡️ Let’s protect your roof and your peace of mind — the right way.

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