How are companies covering deductibles and still using quality materials in Texas?

Since the hail storms a few weeks ago, I have talked to over 100 homeowners that are going with companies covering deductibles! Some of these are 7 or 8 grand!

So how can they still buy quality materials and supply decent labor? I must be missing something other than the fact that it's against the law in Texas!

I have an article here:[http://www.texasroofandfence.com/consumer-education-101/insurance-laws.html]

This is straight from the Texas Department of Insurance.

I know most of the insurance companies are putting FIU's in place. (Fraud Investigation Units)but for now we are fighting this game daily.

Can anyone shed some light on this for me?

You basically agreed w/me :cheer:

Roofguy.....I hate gov't...However, they way it stands; Gov't aids/favors the non-desirables...be it out-right crimminals or the unscrupulous business......To coin another; "Either enforce the laws or do away with them all-together"

As for licensing vs. paying someone's deductables...Nothing, (directly)...However, the environment, (no-lic required), tends to set the stage for such unscrupulous behaviors....

This is what you have in a no-license environment....Don't complain if your against licensing....whats' the saying? "You made your bed...."

One of the reasons that we pulled out of Texas in 2008. The Texas Department of Insurance sucks as far as I'm concerned, they tout a building code, I wouldn't use that code to do a dog house.

you can bet thier burning up the seconds and cutting corners,plus theres no money roofing in Texas!

I had no idea Texas had this in place and it should be a good tool for you local boys. Anything to chase out the storm chasers. You still have to be the first one in as the first one in probably closes 80%. If you're in first you should be able to wave that notice like a flag. Your State Roofing Asscociation should be running tv and radio ads stating the same thing. If they are strong enough, a bunch of you locals should band together and pool your money and run your own ads. That's what Robert's did in 2009 as far as advertising against storm chasers and if I remember correctly I think on his flyers he stated he would pay the deductible. I wonder How does the auto window guys get away with it?