SAN ANTONIO, Texas – Atrium Roofing, a San Antonio roofing contractor and Owens Corning Platinum Preferred partner, is urging homeowners to understand what Texas law allows and prohibits when a roofer gets involved in an insurance claim. The warning comes in response to a pattern of misleading contractor practices across the Central Texas market.
“After every storm season, homeowners tell us the same thing. A contractor showed up, promised to handle the whole claim, and offered to cover the deductible,” said Jose Puente, owner of Atrium Roofing and a civil engineer. “Most people don’t know that both of those offers can be illegal in Texas.”
The Law
Chapter 4102 of the Texas Insurance Code sets a clear boundary. A roofing contractor cannot act as a public insurance adjuster on a claim where the contractor is also doing the repair work. The Texas Supreme Court upheld that rule in June 2024 in Texas Department of Insurance v. Stonewater Roofing. The court ruled that the ban covers professional conduct, not protected speech.
HB 2102 took effect September 1, 2019. It makes it a Class B misdemeanor for a contractor to waive, rebate, or absorb a homeowner’s insurance deductible.
Despite these laws, many roofing companies across the Texas market advertise that they will file claims, negotiate with insurers, or handle the entire claim process on behalf of the homeowner.
Where the Line Actually Falls
Most homeowners don’t know what a roofer is legally allowed to do during a claim. According to the Texas Department of Insurance, a contractor can:
- Inspect the roof and document damage
- Provide an estimate
- Attend the adjuster’s on-site meeting to walk through findings
- Discuss supplements and scope clarifications with the homeowner’s insurer
- Perform the approved repair or replacement
A contractor cannot:
- Act as the homeowner’s agent in negotiating the claim settlement
- Promise to recover a specific dollar amount
- Advertise or hold themselves out as a public insurance adjuster
- Waive, absorb, or rebate any portion of the deductible
“There’s a difference between a roofer explaining the scope of work to an adjuster and a roofer negotiating your claim settlement,” Puente said. “One is our job. The other requires a public adjuster’s license, and for good reason.”
Red Flags for Homeowners
Atrium Roofing identifies several warning signs that a contractor may be crossing legal boundaries:
- Promises to “handle the entire claim” or act as the homeowner’s “advocate” in insurance negotiations
- Offers to cover, absorb, or waive the deductible
- Pressure to sign a contract before the adjuster’s visit
- Language claiming the company has “insurance adjusters on staff” who will negotiate the claim
Homeowners who need claims advocacy beyond what a roofer can legally provide should hire a licensed public insurance adjuster. Public adjusters are regulated by TDI and are prohibited from also performing the repair work on the same property.
What Atrium Roofing Does Instead
Rather than promising to manage the claim, Atrium Roofing’s approach centers on documentation. Every completed project includes the company’s Power Package: a material invoice, certificate of completion, impact-resistant certification, paid-in-full invoice, and the manufacturer’s written lifetime warranty.
“We hand homeowners the documentation they need to support their claim, release depreciation funds, and verify warranty coverage,” Puente said. “That’s the job. We don’t need to cross a legal line to do it well.”
San Antonio homeowners can request a complimentary storm damage inspection by calling (210) 807-6767 or visiting atriumroofing.com.
About Atrium Roofing
Founded in 2016 and based in San Antonio, Texas, Atrium Roofing is an Owens Corning Platinum Preferred contractor, placing it among the top 1% of roofing contractors nationally. The company holds GAF Certified Plus, Malarkey Emerald Pro, TAMKO Platinum Pro, and Atlas certifications, and is authorized to offer GAF Silver Pledge Limited Warranties. Atrium Roofing is fully compliant with HB 2102 and holds License HIC-24-00295. The company serves San Antonio and surrounding Central Texas communities with a bilingual English and Spanish team. For more information, visit atriumroofing.com.
Email: contact@atriumroofing.com
Media Contact
Name
Atrium Roofing
Contact name
Jose Puente
Contact phone
(210) 807-6767
Contact address
18911 Hardy Oak Blvd Suite 166
City
San Antonio
State
TX
Zip
78258
Country
United States
Url
https://www.atriumroofing.com/
