Step 6 of 8
The insurance conduct written into the quote itself
How to check it
Some quote language is checkable against Texas law as the Texas Department of Insurance publishes it. TDI's consumer page states plainly: 'Texas doesn't allow a roofer or contractor to act as a public insurance adjuster on insurance claims if they're also doing the work,' and 'It's also illegal in Texas for a contractor to offer to waive, rebate, or absorb a property policyholder's deductible.' So a quote that offers to make the deductible disappear, or that presents the contractor as the homeowner's representative to the insurer on coverage questions, is describing conduct TDI's own materials identify as prohibited — regardless of how generous it sounds.
Where to check: https://www.tdi.texas.gov/consumer/storms/roofing-and-insurance-know-the-law.html
What a pass proves
Whether the quote's insurance-adjacent language is compatible with the rules TDI publishes for contractors. This is one of the few checks where the quote text alone can fail.
What it does NOT prove
Nothing here is a coverage determination — what any policy pays for any loss is between the policyholder, the insurer, and the policy document, which controls. A clean quote proves the language is consistent with the rules TDI publishes, not that a claim outcome will go any particular way.