Stated provides contractor documentation. We do not adjust claims, negotiate coverage, waive deductibles, or act as a public adjuster. Here's exactly what that means.
Texas Insurance Code Section 707.002 prohibits contractors from waiving, rebating, absorbing, or helping a policyholder avoid paying their insurance deductible. Specifically, a contractor may not:
Contracts of $1,000 or more involving an insurance settlement must include a written notice that the deductible is the policyholder's responsibility. Stated Homes includes this notice in all insurance-funded contracts.
Any contractor — including any Stated representative, crew member, or partner — who offers to waive, absorb, or offset your insurance deductible is offering something illegal under Texas law. If you are told otherwise, do not sign and contact Stated directly at info@statedhomes.com.
Under Texas law, a contractor who provides roofing services on a property is prohibited from acting as — or advertising to act as — a public adjuster on that same property. A public adjuster is a person who, for compensation, adjusts insurance losses on behalf of a policyholder.
Stated Homes does not provide public adjuster services. If a third-party partner or referral source implies that Stated can negotiate your claim or that your deductible will be "handled," that representation is unauthorized and should be reported to us.
Stated Homes does not waive, rebate, absorb, or offset insurance deductibles. Your insurance deductible is your responsibility as the policyholder. Texas Insurance Code §707.002 requires this disclosure for contracts of $1,000 or more involving an insurance settlement.
Texas Insurance Code §707.002 requires that any contract between a contractor and an insured for roofing services that involves an insurance settlement of $1,000 or more must include the following notice. Stated Homes includes this in every insurance-funded contract:
NOTICE CONCERNING DEDUCTIBLES:
Texas Insurance Code Section 707.001 and 707.002 state:
"A person insured under a property insurance policy shall pay any deductible applicable to a first-party claim made under the policy."
Texas Insurance Code Section 707.002(a) further states that a contractor may not, in connection with a property insurance claim:
Stated Home Services LLC does not waive, absorb, rebate, discount, or offset your insurance deductible in any form. Your deductible is your financial responsibility as the policyholder. This position is not negotiable and cannot be altered by any Stated representative, crew member, or third-party partner.
This notice is included verbatim in all Stated Homes contracts involving insurance-funded roofing work. It is not negotiable and cannot be waived by any Stated representative, crew member, or third-party partner.
If your insurance carrier inspects the roof, the adjuster prepares an estimate based on the carrier's review of covered damage. A contractor's scope may look different because it is written from the standpoint of what it takes to perform the work correctly.
If those documents do not match, you can submit both versions to your insurance company for review:
Stated can prepare the contractor-side version for the work we would perform. This includes written scope, itemized pricing, satellite or PM-verified measurements, and project photos. Stated can discuss its own estimate, photos, measurements, and technical scope with the homeowner, carrier, or adjuster.
Stated does not decide coverage, negotiate the insurance claim, represent the insured against the carrier, or act as a public adjuster. Texas law (TDI guidance) does not allow a roofer or contractor to act as a public adjuster on an insurance claim if they are also doing the work. Stated stays on the contractor side of that line.
If you believe your claim has been underpaid or mishandled, the appropriate next steps are to request clarification from the carrier directly, consult a licensed public adjuster (a separate profession from a roofing contractor), request an appraisal under your policy, or consult an attorney. Stated can provide documentation and technical support for the work we would perform — not coverage advocacy.