Can you waive or absorb my deductible?

No, and neither can anyone else, legally. Texas Insurance Code §27.02 prohibits waiving, absorbing, or rebating deductibles. Contractors who offer it are committing a crime and exposing your claim. We offer a payment plan instead: full amount, spread over time.

How does the deductible payment plan work?

We agree on a written schedule that spreads your deductible payment over time rather than one lump sum. The full amount gets paid and documented; the plan changes the timing, never the amount.

When do I pay for non-insurance work?

The payment schedule is agreed in writing before work begins, as part of the estimate. No surprises, no pressure for large sums up front.

When do I pay for my roof?

Retail work: deposit at contract, balance at completion, after the final walkthrough, never before the work. Insurance work: billing sequenced to your claim's flow (ACV check, your deductible, released depreciation), so you're not fronting money the claim hasn't produced.

Can you just absorb my deductible into the price?

No. That's a crime under Texas Insurance Code §27.02, however it's dressed up in the invoice. Our payment plan spreads the timing of your full deductible on a written schedule; the amount never changes. Anyone offering better is offering fraud.

Why won't you quote a price over the phone?

Because pitch, layers, decking, flashing, and access move real money, and none of them are visible from a phone call. The measured written scope is free and fast, and it's a price instead of a guess.

Do you offer monthly payment financing?

Not today, and we'd rather say that plainly than disguise it. If financing is your deciding factor, tell us; demand shapes whether we add a partner, and meanwhile we'll be straight about what we can structure.

Payment Options

Straight answer: we don’t offer third-party financing today

No financing partner, no loan paperwork, no interest math. If that changes, this page will say so plainly.

How most DFW roof replacements actually get paid for

The majority of replacements in this market are insurance-funded storm claims: the carrier pays for the covered loss, and your out-of-pocket is typically your deductible plus any upgrades you choose. For retail (non-insurance) work, we provide a written, itemized estimate and agree on the payment schedule before work begins.

Deductible payment plan

Texas law is unambiguous: your insurance deductible must be paid in full. Contractors who offer to waive or absorb it are breaking the law and putting your claim at risk. What we can do is structure the timing: ask about our deductible payment plan, which spreads your deductible payment over a schedule instead of one lump sum. You pay the full amount, documented properly: the law is satisfied and your budget breathes.

Payment plan terms are agreed in writing before work begins. This is not a waiver, discount, or rebate of any deductible amount. Texas Insurance Code Chapter 707 prohibits those, and so do we.

How paying for a roof actually works here

For retail (non-insurance) work, the structure is conventional and in your contract before anything starts: a deposit that secures materials and scheduling, with the balance due at completion, after the final walkthrough, not before it. No payment schedule ever runs ahead of the work, and no final payment is due until the roof is finished, cleaned up, and documented. For insurance-funded work, the flow follows your claim: the carrier’s first check (typically actual cash value), your deductible (paid by you, in full, as Texas law requires), and the recoverable depreciation the carrier releases when the completed work is invoiced. We sequence billing to match that flow so you’re never asked to front money the claim structure hasn’t produced yet.

The deductible payment plan, precisely stated

Because it matters legally, here is exactly what our deductible plan is and is not. Texas Insurance Code Chapter 707 makes it a crime for a contractor to waive, absorb, rebate, or offset an insurance deductible. That means the “we’ll eat your deductible” pitch is illegal for the contractor and a claim risk for you, since carriers may require proof of payment before releasing depreciation. Our plan changes the timing, never the amount: you pay one hundred percent of your deductible, documented, on a written schedule that spreads it across agreed dates instead of demanding it in one moment. Nothing is forgiven, discounted, or creatively invoiced. If any roofer in your driveway offers better than that, what they’re offering is fraud with your name attached to it.

What a roof costs, structurally

We don’t publish price lists because honest roof pricing is measured, not menu’d, but the cost structure is no secret, and knowing it makes you a better buyer. The drivers, in rough order: roof size and pitch (steeper costs more, since labor, safety, and waste all climb), material tier (architectural asphalt at the accessible end, Class 4 impact-rated a modest step up, metal and premium systems in their own bracket), tear-off complexity (layers and decking condition, priced per sheet in the contract up front), details (flashing, penetrations, ventilation corrections), and access. Two identical-square-footage homes can quote meaningfully apart on pitch and details alone. That’s why a phone estimate is a guess and a measured written scope is a price.

On traditional financing, honestly

We don’t offer monthly-payment financing today. If a payment plan is the deciding factor for your project, tell us. Knowing the demand shapes whether we add a financing partner, and in the meantime we’ll be straight about what we can structure and what we can’t. What we won’t do is disguise a financing gap with pricing games or paper a stretched budget over with a thinner roof than the house needs: if the honest answer is “repair now, replace next year and budget toward it,” that’s the written recommendation you’ll get, with the maintenance plan to bridge it.

Budgeting before you need to

The cheapest roof money is the planned kind, so a practical note for owners whose roofs are aging rather than failed: get the free inspection and ask for the honest horizon, meaning how many years the roof realistically has, and what maintenance stretches them. That number turns a future emergency into a savings plan: a replacement scheduled in the off-season, specified deliberately, and upgraded to Class 4 while the money is already moving costs meaningfully less than the same roof bought under a leak’s deadline. In this hail corridor there’s a second budgeting fact worth writing down. Know your policy’s wind/hail deductible today, because it’s commonly a percentage of your home’s insured value rather than a flat number, and discovering what one percent of your dwelling coverage looks like is better done at your kitchen table than at claim time.

The short version of this whole page: payment terms in writing before work starts, billing that follows the work instead of leading it, a deductible plan that respects the law to the letter, and straight answers about what we don’t offer. If any part of a roofing payment conversation feels improvised, here or anywhere, that’s the signal to slow down and get it in writing.