Deductible in Texas Roof Replacement: Why Cheaper Roof Often Cost You More

In Texas, hailstorms and severe weather are not an exception - they're a reality.

And if you've ever replaced a roof though insurance, you already know one thigh for sure:

The deductible is real money that comes out of your pocket.

 What many homeowners don’t realize is this:
Deductibles in Texas keep increasing, which means every future roof replacement becomes more expensive for you.


Texas Law: Paying the Deductible Is Mandatory

Under Texas House Bill 2102 (HB 2102), homeowners are legally required to pay their insurance deductible when filing a roof claim.

 Contractors are not allowed to:
• waive the deductible
• reimburse it
• “cover” it in any hidden way

 Promises like “free roof” or “we pay your deductible” are illegal in Texas.

Insurance companies today actively verify proof of deductible payment, and violations may result in:
• reduced payouts
• denied claims
• canceled insurance coverage

Why Deductibles in Texas Will Keep Going Up

Over the last few years, insurance companies in Texas have:
• shifted to percentage-based deductibles (2-5% of home value)
• increased rates due to frequent hail and storm claims
• tightened rules for repeat roof replacements

What this means for homeowners:

A deductible that is $6,000–$8,000 today today will easily become
$12,000–$16,000 or more over time.

And every time you install a standard, lower-quality roof, you’re essentially agreeing to:

“I’ll pay this deductible again after the next major storm.”
"I'll play insurance game again"


The Hidden Cost of a “Cheaper” Roof

Standard roofs often:
• wear out faster
• perform poorly in hailstorms
• require full replacement after severe weather

The result:
You keep paying deductible after deductible, even if only a few years have passed.

A cheaper roof today often becomes the most expensive decision long-term.


Klaus Roofing: More Expensive — Yes. But a Smart Investment.

We are fully transparent with our clients:

A Klaus Roofing system costs more than an average roof.

But this higher upfront cost is a strategic investment in your home’s future, because:

 1. 50-Year Warranty

Klaus Roofing systems are engineered to withstand extreme Texas weather and are backed by a 50-year warranty.

This dramatically reduces the likelihood of replacing your roof after every major storm.

 2. Long-Term Savings on Deductibles

One high-quality roof today means:
• fewer insurance claims
• fewer full replacements
• fewer deductible payments over time

 3. Real Quality, Not Just Marketing

Klaus Roofing materials, installation standards, and systems are designed for homeowners who think 10–20 years ahead, not just until the next hailstorm.


Who Installs Your Roof Matters Just as Much as the Roof Itself

Advantage Remodeling and Roofing is a trusted contractor that:
• operates fully in compliance with Texas law
• never offers illegal deductible schemes
• helps homeowners navigate the insurance process correctly
• installs Klaus Roofing systems according to manufacturer standards

We don’t promise a “free roof.”
We promise honesty, durability, and long-term protection.


The Bottom Line: Pay Once — Not After Every Storm

✔ Yes, Texas law requires you to pay your deductible
✔ Yes, a Klaus Roofing system costs more upfront
 But you’re investing in peace of mind, durability, and financial protection

One high-quality roof can save you from paying deductible after deductible for decades.


Ready to protect your home the smart way?

Choose Advantage Remodeling and Roofing.
Choose a roof built to last.

Remove the bandage - Trust Advantage!