Roofing and insurance claims: what Texas law says
Under Texas law a roofer can't act as your public adjuster on a job they're doing, and can't waive, rebate or absorb your insurance deductible. The Texas Department of Insurance advises never paying in full up front, and never signing a blank contract or one with insurance-proceeds language.
Sources: Texas Department of Insurance: roofing and insurance, updated 24 Mar 2025; Texas Department of Insurance: avoid fraud, updated 17 Jul 2026