What Is a Roofing Deductible and Do You Have to Pay It in Killeen, Texas?

DeeDee Kloeker
5 days ago
3 min read

If you own a home in Killeen, Texas, chances are you’ve dealt with hail storms, high winds, or severe weather that can damage your roof. When that happens, many homeowners ask the same question:

What is a roofing deductible, and do I have to pay it in Texas?

The answer is yes, and understanding how roofing deductibles work in Killeen and Bell County can protect you from insurance issues and dishonest contractors.

What Is a Roofing Deductible?

A roofing deductible is the portion of your roof repair or roof replacement that you are required to pay out of pocket before your insurance company covers the remaining cost of the claim.

In storm-prone areas like Killeen, roofing deductibles are very common due to frequent hail and wind damage claims.

Roofing Deductible Example in Killeen, TX:

Total roof replacement cost: $16,000
Insurance deductible: $2,500
Insurance pays: $13,500
Homeowner pays: $2,500

Common Roofing Deductible Types in Killeen, Texas

1. Percentage-Based Deductibles (Most Common in Killeen)

Most homeowners in Killeen have a percentage-based deductible, usually between 1% and 3% of the home’s insured value.

Example:If your Killeen home is insured for $275,000 and you have a 1% deductible, your roofing deductible is $2,750.

2. Flat-Rate Deductibles

Less common, but some policies include a fixed deductible amount, such as $1,000 or $2,000.

Do You Have to Pay Your Roofing Deductible in Texas?

Yes. Texas law requires homeowners to pay their roofing deductible.

This applies to homeowners in:

Killeen
Harker Heights
Temple
Copperas Cove
All of Central Texas

Texas Law and Roofing Deductibles

It is illegal for a roofing contractor to:

Waive your deductible
Pay your deductible
Offer a “free roof” through insurance

Any contractor making these promises in Killeen is violating Texas Insurance Code and should be avoided.

Can a Killeen Roofing Company Pay My Deductible?

No.A reputable Killeen roofing contractor will never offer to cover or rebate your deductible.

If you hear:

“We’ll pay your deductible”
“No out-of-pocket cost”
“Free insurance roof”

🚩 That’s a red flag.

Both the contractor and homeowner can face serious legal and financial consequences.

When Do You Pay the Roofing Deductible?

In Killeen roofing insurance claims:

The deductible is usually paid to the roofing contractor
Payment is typically due when the project starts or when it is completed
The insurance company does not collect the deductible directly

Your insurance settlement + your deductible = total roof replacement cost.

Why Choosing a Local Killeen Roofing Company Matters

After major storms in Killeen, out-of-town storm chasers often show up offering quick deals and illegal deductible waivers.

Choosing a local Killeen roofing company ensures:

Compliance with Texas insurance laws
Knowledge of local storm damage patterns
Proper documentation for insurance claims
Long-term warranty support

How Top Notch Roofing Serves Killeen Homeowners

At Top Notch Roofing, we proudly serve Killeen and the surrounding Central Texas area. We help homeowners understand:

Their roofing deductible
Their insurance policy
The roof replacement process from inspection to completion

We offer free roof inspections in Killeen, TX, and work directly with insurance adjusters to ensure all storm damage is properly documented—without cutting corners or breaking the law.