How do insurance deductibles work and how do they affect YOU — the policyholder

• Deductibles are the portion of your insurance claim which your insurance company allocates to you, the homeowner and policyholder, as your responsibility.
• A new Texas law – HB2102 requires that all property owners pay their deductible to their contractor.

INSURANCE DEDUCTIBLES

Deductible laws and hearsay have been a source of confusion in the contracting world for years.

• To protect yourself as a policyholder make sure that you hire a local contractor who knows Texas deductible laws.
• Also, make sure that your contractor is familiar with and has experience processing insurance claims with your specific insurance carrier.
• It is also advisable to hire a local contractor who is NOT AFFILIATED WITH ANY INSURANCE CARRIERS SPECIFICALLY.
• Hiring independent contractors are the best way to make sure that your contractor will have your best interest in mind as the homeowner and the policyholder.

A local contractor should have experience recovering depreciation and processing insurance claims and should make the process easy and efficient and painless for you – the homeowner and policyholder.

Autograph Construction has a combined 110 years of insurance claim processing experience as an INDEPENDENT General Contractor.

Call Autograph morning noon or night for a free roof damage inspection and for free quotes – 214.210.0202.