How Much Does Roof Replacement Cost in Texas?

Q: What is the average cost to replace a roof in Texas?

In 2026, the average cost is $8,000 to $25,000, with most homeowners spending around $15,000 for a 2,000 sq ft shingle roof. Costs vary by material, size, and location.

Q: How often should a roof be replaced in Texas?

Every 15-20 years on average, due to heat, hail, and storms. Check for signs like leaks or damage earlier.

Q: What is the new roof law in Texas?

House Bill 2102 prohibits contractors from covering deductibles. Also, 2025 HOA updates require more transparency.

Q: Will insurance cover a 20-year-old roof in Texas?

Possibly, but many policies exclude wind/hail for roofs over 15-20 years or switch to ACV. Upgrade to impact-resistant for better coverage.

Q: How many layers of shingles are allowed on a roof in Texas?

Maximum of two layers per IRC standards; more requires tear-off.

Q: Do I need a permit to replace my roof in Texas?

Yes, for major replacements. Your contractor should obtain it.

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Depending on the type of roofing material and the size of your roof, homeowners in Texas will pay between $4,335 and $11,397 for a full roof replacement. The average cost to repair a roof in the state currently averages $415. Most roofs will last 30 – 50 years, but at some point, they will need replacement. If you’re looking for roofing prices near you, see how Best Roofing Estimates can help. Get started below.

Signs Your Roof Needs Replacement in Texas

Age and Visible Leaks

● Roof over 15-20 years old
● Water stains on ceilings or walls
● Dripping during rain

In Texas’ intense storms, early detection prevents costly interior damage and mold growth.

Shingle and Material Damage

● Cracked, curled, or missing shingles
● Excessive granule loss in gutters
● Hail dents or wind-lifted edges

Hail storms are frequent in Texas—always inspect your roof after severe weather.

Structural and Efficiency Issues

● Sagging roof deck or visible dips
● Higher energy bills from poor insulation
● Moss, algae streaks, or heavy debris buildup

These often indicate underlying structural problems—schedule a professional inspection immediately.

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Roof Repair Cost Guide

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Step-by-Step Roof Replacement Guide in Texas

Understanding the roof replacement process helps you prepare and ensures a smooth, high-quality project in Texas’ demanding climate.

Initial Inspection
A professional roofer assesses damage, measures your roof, checks the decking, and recommends suitable materials (e.g., hail-resistant shingles for North Texas).
Material Selection
Choose materials based on budget, durability, and local weather—metal for heat reflection, impact-resistant shingles for hail-prone areas.
Permitting and Preparation
Your contractor obtains required permits and protects landscaping, windows, and outdoor items with tarps.
Tear-Off
Old roofing is removed (usually 1-2 days). Decking is inspected and repaired if needed—critical for a solid foundation.
Installation
New underlayment, flashing, drip edges, and roofing materials are installed (typically 1-3 days depending on size and complexity).
Final Cleanup and Inspection
Crew removes all debris, performs a thorough cleanup, and conducts a final walk-through with you to ensure satisfaction.

Total project time: 3–7 days (weather dependent).
Average cost in 2026: $9,500 – $28,000 depending on roof size and materials.

Roof Cost By Size

Weather Impacts Lifespan of Roofs in Texas

Texas is a state with many different features. From hot and humid summers to cold winters, each season has something unique about it that makes Texas so great! The summers here are hot with average highs that get into the mid-90s while winter lows usually get down into the 30s. The state also gets plenty of rain with an average of 36 inches. All of this impacts how long a roof will last in Texas.

Roof Cost By Material

Benefits of Timely Roof Replacement in Texas

Replacing your roof before major issues arise offers several advantages, especially in Texas’ challenging climate.

✓Enhanced Protection
Shields your home from hail, high winds, and heavy rains, preventing costly water damage and mold growth.
✓Energy Savings
Modern materials improve insulation and reflectivity, reducing cooling costs by up to 20% during scorching Texas summers.
✓Increased Home Value
Boosts curb appeal and resale value—you can recoup 60-70% of the replacement cost when selling your home.
✓Insurance Perks
Impact-resistant options often qualify for premium discounts and make future claims smoother.
✓Peace of Mind
Enjoy long-term warranties (20-50 years) and full compliance with local building codes.

Don’t wait—timely replacement avoids expensive emergency repairs that can average $1,000 or more!

Why Roof Replacement Matters in Texas

As a seasoned expert in the home improvement field, I’ve come to realize just how important it is to keep your roof in tip-top shape, especially in Texas. The Lone Star State is known for its unpredictable weather patterns, which can wreak havoc on your roof. But fear not, I’m here to offer some invaluable advice on roof replacement in Texas.

So, why should you consider replacing your roof? Well, a sturdy roof can protect your home from the elements, prevent water damage, and even save you money on energy bills. But let’s dive deeper into the process and explore some key aspects to consider when replacing your roof in Texas.

Materials Matter: Choosing the Right Roofing Type

First and foremost, you’ll want to select a durable material that can withstand the Texas climate. Here are three popular options for roof replacement:

Asphalt Shingles: A cost-effective and versatile option, asphalt shingles are widely used throughout Texas. They can withstand heavy rain, hail, and strong winds.
Metal Roofing: Metal roofs offer exceptional durability and longevity. They’re great for reflecting heat, keeping your home cooler in the scorching Texas heat.
Clay Tiles: A popular choice for Spanish-style homes, clay tiles provide excellent resistance to heat, hail, and fire. They’re also eco-friendly and energy-efficient.

Timing is Everything: When to Replace Your Roof

Now that you’ve got a better understanding of roofing materials, let’s talk about timing. When should you replace your roof? Here are a few signs it’s time for a change:

Age: Most roofs have a lifespan of 20-30 years. If your roof is approaching that age, it’s time to start considering a replacement.
Leaks: If you’ve noticed water stains on your ceiling or walls, it’s likely that your roof has a leak that needs fixing.
Missing or Damaged Shingles: When shingles become loose, cracked, or missing, it’s a clear sign your roof needs attention.

In conclusion, roof replacement is an essential aspect of home maintenance in Texas. By choosing the right materials and paying attention to the signs that it’s time for a change, you can ensure that your home stays protected from the elements for years to come.

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Frequently Asked Questions About Roof Replacement in Texas

What is the average cost to replace a roof in Texas?

In 2026, the average cost is $8,000 to $25,000, with most homeowners spending around $15,000 for a 2,000 sq ft shingle roof. Costs vary by material, size, and location.

How often should a roof be replaced in Texas?

Every 15-20 years on average, due to intense heat, hail, and storms. Check for signs like leaks or damage earlier to avoid bigger problems.

What is the new roof law in Texas?

House Bill 2102 prohibits contractors from covering or waiving insurance deductibles. Additionally, 2025 HOA updates require greater transparency on fees and rules.

Will insurance cover a 20-year-old roof in Texas?

Possibly, but many policies exclude wind/hail damage for roofs over 15-20 years or switch to Actual Cash Value (ACV). Upgrading to impact-resistant materials improves coverage chances.

How many layers of shingles are allowed on a roof in Texas?

A maximum of two layers per International Residential Code (IRC) standards. Adding more requires a complete tear-off for safety and warranty compliance.

Do I need a permit to replace my roof in Texas?

Yes, for major replacements in most cities and counties. A reputable contractor will handle obtaining the permit and ensure all work meets local codes.

Texas Zip Codes Where We Provide Residential Roofing Services

Austin

78745, 78753, 78741, 78748, 78744, 78758, 78704, 78759, 78749, 78723, 78705, 78750, 78717, 78727, 78729, 78746, 78731, 78754, 78724, 78757, 78702, 78728, 78739, 78747, 78752, 78703, 78734, 78735, 78732, 78737, 78751, 78738, 78726, 78721, 78701, 78736, 78730, 78733, 78756, 78725, 78722, 78719, 78742, 78712

San Antonio

78245, 78228, 78251, 78250, 78249, 78240, 78254, 78223, 78207, 78247, 78227, 78233, 78201, 78230, 78213, 78258, 78253, 78216, 78209, 78221, 78237, 78232, 78210, 78218, 78242, 78217, 78229, 78211, 78244, 78212, 78214, 78239, 78259, 78260, 78238, 78222, 78224, 78219, 78261, 78220, 78255, 78225, 78248, 78204, 78252, 78202, 78256, 78264, 78231, 78226, 78257, 78266, 78236, 78203, 78234, 78208, 78263, 78215, 78235, 78205, 78243

Dallas

75217, 75211, 75228, 75243, 75227, 75287, 75216, 75220, 75231, 75206, 75224, 75248, 75234, 75214, 75238, 75229, 75241, 75232, 75204, 75208, 75240, 75230, 75254, 75252, 75212, 75219, 75205, 75253, 75218, 75225, 75237, 75235, 75236, 75215, 75249, 75201, 75203, 75233, 75223, 75209, 75244, 75210, 75207, 75226, 75251, 75246, 75202, 75247, 75270, 75390

Houston

77084, 77083, 77036, 77095, 77072, 77077, 77015, 77088, 77082, 77089, 77070, 77081, 77099, 77044, 77064, 77040, 77093, 77060, 77080, 77055, 77075, 77042, 77057, 77074, 77090, 77034, 77007, 77073, 77063, 77092, 77024, 77087, 77065, 77014, 77004, 77035, 77045, 77049, 77009, 77076, 77066, 77067, 77008, 77079, 77041, 77017, 77096, 77047, 77038, 77053, 77016, 77033, 77023, 77071, 77039, 77086, 77005, 77025, 77018, 77022, 77091, 77062, 77020, 77061, 77021, 77043, 77054, 77006, 77019, 77056, 77026, 77012, 77069, 77013, 77037, 77048, 77027, 77031, 77085, 77029, 77011, 77028, 77059, 77051, 77058, 77078, 77002, 77032, 77098, 77030, 77068, 77094, 77003, 77050, 77046, 77010, 77201

El Paso

79936, 79938, 79912, 79924, 79928, 79907, 79927, 79925, 79915, 79904, 79930, 79932, 79934, 79905, 79902, 79935, 79903, 79901, 79922, 79908, 79911, 79906, 79916, 79942, 79920

Fort Worth

76179, 76137, 76119, 76133, 76116, 76131, 76108, 76112, 76106, 76123, 76110, 76140, 76107, 76132, 76114, 76134, 76148, 76126, 76109, 76111, 76105, 76135, 76115, 76104, 76120, 76118, 76164, 76103, 76177, 76102, 76155, 76129

Arlington

76010, 76017, 76002, 76014, 76013, 76001, 76016, 76018, 76012, 76006, 76011, 76015

McKinney

75070

Irving

75061, 75062, 75060, 75063, 75038, 75039

Corpus Christi

78412, 78414, 78413, 78415, 78418, 78410, 78411, 78404, 78416, 78405, 78408, 78401, 78417, 78409, 78407, 78406, 78419, 78402

Lubbock

79424, 79423, 79416, 79407, 79413, 79414, 79415, 79403, 79412, 79410, 79404, 79401, 79406, 79411

Amarillo

79109, 79107, 79106, 79118, 79110, 79119, 79108, 79103, 79102, 79124, 79104, 79121, 79111, 79101, 79105

Frisco

75034, 75035

Grand Prairie

75052, 75050, 75051, 75054

Pearland

77584, 77581

Brownsville

78521, 78520, 78526

Killeen

76549, 76542, 76543, 76544, 76541

Pasadena

77506, 77502, 77504, 77503, 77505, 77507

Selma

78154

Rockwall

75032, 75087, 75189

Roanoke

76262

Little Elm

75034, 75068, 76227

Lewisville

75010, 75019, 75028, 75056, 75057, 75065, 75067, 75077

Humble

77338, 77396, 77347

Duncanville

75104, 75115, 75116, 75137, 75236, 75237

More Texas Zip Codes we serve:

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76624, 76020, 77518, 75412, 75413, 79504, 76821, 79718, 78003, 76823, 78339, 75101, 78828, 76930, 75102, 79719, 76511, 78602, 78829, 77519, 77414, 78340, 77521, 77520, 77417, 77705, 77706, 77707, 77713, 77703, 77701, 77708, 77702, 75631, 76021, 76022, 77831, 78102, 78104, 77401, 76228, 75414, 77418, 76513, 78342, 75415, 75754, 78341, 76824, 79505, 78107, 78004, 78605, 79834, 76932, 75755, 79720, 78830, 78005, 78343, 75555, 79506, 78606,

76432, 79314, 78931, 77419, 75556, 76626, 77951, 75416, 75424, 76433, 78607, 76627, 78006, 78015, 75417, 77420, 75928, 75418, 79005, 79007, 79009, 76230, 76023, 79010, 78832, 76825, 76628, 75420, 77422, 76424, 76629, 77833, 77611, 76426, 78608, 79011, 75929, 75930, 76933, 75931, 76827, 77423, 75421, 79316, 75756, 76801, 76630, 78344, 77803, 77802, 77801, 77808, 77807, 76427, 78609, 76518, 78610, 75831, 79508, 75757, 78163, 77612, 76354,

76828, 75932, 76028, 76519, 78611, 77835, 79012, 76357, 76631, 79013, 76429, 75135, 77836, 75933, 78007, 77837, 75934, 76520, 78833, 75422, 78008, 79014, 75103, 79835, 79015, 79016, 78133, 76435, 76934, 76436, 78932, 78834, 75633, 76831, 78009, 78933, 78836, 75832, 78612, 75104, 77415, 78613, 75423, 75009, 75935, 78010, 75833, 75758, 77530, 79018, 77426, 78011, 75105, 76832, 75936, 76431, 79201, 79225, 76632, 77613, 76633, 75937, 78012,

76935, 78108, 76437, 79226, 75426, 79019, 76033, 76031, 77327, 77328, 76634, 79836, 77531, 79510, 79511, 77331, 76834, 77845, 77840, 77428, 76034, 76233, 75938, 79512, 78934, 76442, 78535, 78013, 75428, 75431, 78837, 78838, 78349, 77301, 77304, 77385, 77303, 77384, 77302, 77306, 78109, 75558, 76635, 75432, 75019, 76522, 75939, 75110, 75109, 78614, 79021, 78014, 78615, 76636, 79730, 75114, 79731, 76637, 76638, 76035, 75835, 77532, 79322,

76443, 79227, 76036, 78839, 77954, 75433, 75759, 75760, 77433, 77429, 78850, 75638, 77533, 78616, 79022, 77430, 77534, 77432, 79024, 76523, 79025, 76639, 77535, 75639, 75559, 76444, 76234, 77536, 78840, 78617, 79837, 78536, 75020, 75021, 79323, 75435, 76445, 75115, 75436, 77538, 78016, 77614, 75640, 75941, 79229, 77539, 75437, 78017, 77853, 79027, 75438, 77334, 79230, 75838, 78537, 76836, 78618, 75942, 79231, 75943, 75560, 78619, 78620, 78351,

78851, 76446, 79029, 75116, 75137, 79607, 77434, 78852, 76802, 79031, 77435, 76448, 75641, 75439, 78538, 76524, 76837, 75117, 78542, 78539, 79032, 77957, 78352, 77436, 77437, 78860, 76936, 76360, 78621, 75839, 78938, 76640, 77440, 78112, 78543, 75642, 75440, 78019, 78353, 76452, 75441, 75119, 79324, 76937, 76238, 79233, 75944, 76039, 76040, 75124, 77615, 76525, 79838, 75840, 78545, 78355, 78113, 77960, 75442, 79033, 79325, 75132, 78940, 78622,

75125, 79326, 78623, 78941, 75762, 79234, 76527, 78114, 75028, 75022, 79235, 79517, 77855, 79034, 76239, 75126, 76041, 79733, 79734, 79839, 76841, 79735, 78021, 77961, 77856, 75763, 77616, 78624, 76842, 77541, 78357, 77545, 77546, 79035, 79036, 76641, 75127, 77441, 78358, 79738, 76240, 77547, 75764, 77551, 77550, 77554, 77962, 79739, 79758, 75946, 77442, 75643, 76528, 76597, 76599, 76596, 76598, 77857, 78022, 78626, 78628, 78942, 77617, 78116,

75644, 75645, 79518, 75647, 77443, 76043, 78943, 76044, 79519, 79741, 76844, 77963, 78629, 76908, 77335, 76453, 76245, 76363, 76454, 76845, 76449, 76450, 76049, 76048, 75140, 79742, 76050, 76530, 75844, 76051, 75401, 75402, 78359, 76642, 79039, 77619, 75845, 78548, 79040, 75058, 76455, 79236, 77444, 79041, 77964, 75650, 76117, 76531, 79520, 77622, 77560, 79042, 77561, 78549, 76548, 75651, 78550, 78552, 78631, 76364, 79043, 79044, 78632,

79521, 76052, 75765, 79525, 77859, 78361, 79237, 78023, 75948, 77445, 75652, 75654, 76365, 79045, 79526, 76643, 76848, 76457, 78557, 79046, 77623, 77562, 77624, 76645, 77563, 78117, 77447, 76534, 76366, 78861, 75446, 75561, 75459, 76648, 77336, 75656, 77564, 77346, 77396, 77338, 77339, 77345, 77448, 78024, 75949, 77320, 77340, 77342, 76053, 76054, 75141, 78634, 78635, 79329, 79743, 78944, 77968, 78362, 78025, 77861, 76367, 79527, 79744, 76649,

76650, 76651, 76055, 75447, 76458, 75766, 76537, 75951, 79528, 75657, 76459, 75846, 75954, 78636, 76538, 75164, 76058, 78026, 76849, 79330, 76247, 75661, 78118, 77449, 77494, 77450, 77493, 75142, 76059, 76244, 76248, 77565, 75143, 76539, 78027, 77451, 78119, 75847, 76060, 75144, 79745, 79051, 78028, 78029, 75562, 75662, 78638, 78639, 78363, 75956, 75848, 75448, 76939, 78870, 79748, 79529, 76652, 76653, 77625, 79052, 76249, 78640, 78558,

78039, 78559, 78945, 78560, 77568, 77571, 78872, 77969, 78121, 78562, 77970, 75449, 75450, 75065, 77566, 79239, 79331, 76550, 75134, 75146, 77453, 75667, 78871, 75770, 78561, 75849, 78843, 75166, 79530, 79053, 77573, 78873, 78641, 78645, 78946, 75451, 78122, 79054, 77350, 79240, 78050, 79749, 75850, 75452, 76654, 79336, 75067, 75077, 75057, 78947, 77575, 78642, 76061, 78948, 75771, 75563, 76250, 78563, 76462, 79056, 77454, 75068, 76554, 79339,

77577, 77351, 78643, 78644, 79241, 76852, 77971, 76853, 76854, 75453, 75668, 75669, 75604, 75605, 75602, 75601, 75603, 79342, 78564, 79532, 76655, 79343, 78565, 78566, 78567, 76656, 77455, 75851, 76460, 79533, 75904, 75901, 78648, 77657, 78569, 78052, 75147, 77864, 77354, 77355, 75148, 76660, 78652, 78653, 76063, 77578, 79344, 79842, 78654, 78657, 79843, 75566, 78124, 77456, 76661, 77865, 75670, 75672, 76664, 78655, 79535, 76856, 79058, 79244,

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75475, 76470, 79778, 79366, 75858, 75476, 78580, 76680, 78376, 75154, 78662, 79846, 75573, 78377, 75784, 76078, 75155, 77873, 75080, 75081, 75082, 76681, 76871, 77407, 77469, 77406, 76682, 76261, 78879, 78582, 78583, 78066, 76093, 76471, 77367, 78379, 76262, 79256, 76945, 78380, 79543, 76872, 79544, 77470, 76567, 78382, 78880, 75087, 75032, 76873, 76569, 78584, 77368, 76874, 79358, 78953, 79545, 76570, 77471, 77583, 75157, 76263, 79546,

78663, 78664, 78681, 78954, 76875, 75089, 75088, 75477, 75189, 79547, 79548, 78151, 75785, 77369, 78881, 77655, 75048, 75788, 76264, 78152, 76265, 76571, 78585, 79847, 75478, 76904, 76901, 76903, 76905, 75972, 78586, 78384, 79849, 77473, 78588, 78589, 78666, 78590, 76877, 78067, 79848, 78383, 78665, 79078, 76266, 76878, 78591, 77510, 77517, 78592, 78593, 76472, 79780, 77585, 78385, 76685, 75479, 78154, 78956, 76573, 76379, 75480,

75158, 77586, 77983, 75159, 79359, 77474, 78594, 78155, 79360, 76380, 79363, 79079, 79781, 75973, 77371, 76311, 77475, 75090, 75092, 77984, 77876, 76474, 79851, 77656, 76949, 79257, 75574, 77476, 78387, 79080, 78389, 79364, 78159, 78957, 79367, 77878, 79549, 78069, 77879, 76950, 77659, 76481, 77587, 78597, 79258, 76092, 76268, 79369, 79081, 78669, 77372, 77379, 77373, 77386, 77388, 77382, 77389, 77381, 77380, 78070, 79082, 76082, 79370, 77660,

77477, 79553, 79782, 78670, 76401, 76402, 76951, 79083, 78160, 78671, 77661, 79084, 76475, 75859, 79371, 77479, 77478, 78595, 75481, 75482, 79085, 75486, 79372, 75182, 79086, 76270, 78161, 77480, 77987, 79556, 79560, 78390, 79373, 75487, 76882, 78883, 79783, 75691, 76574, 75860, 76686, 75488, 77988, 79259, 76502, 76504, 76501, 76508, 75974, 75861, 76953, 79852, 75160, 75161, 75501, 75503, 77590, 77591, 79087, 75056, 77374, 77481, 76577,

76687, 76578, 78071, 76483, 78072, 75975, 76271, 77990, 79376, 76476, 75489, 77375, 77377, 79853, 78672, 79785, 79561, 75490, 75163, 75862, 75789, 76579, 78162, 79088, 79261, 79562, 79563, 75703, 75701, 75702, 75707, 75706, 75704, 75708, 75709, 75705, 78391, 79091, 78148, 78150, 78884, 78801, 78802, 79854, 76884, 76689, 76885, 76272, 75790, 75495, 79855, 77482, 76955, 77991, 78885, 79092, 76084, 76384, 77901, 77904, 77905, 77662, 77663,

76887, 78073, 76888, 77376, 77483, 78959, 79093, 76957, 77484, 77485, 77597, 76690, 77664, 77880, 75692, 76958, 75165, 75167, 79094, 76087, 76086, 76088, 76085, 77598, 77993, 78962, 76388, 79377, 79095, 79378, 75976, 78596, 76691, 77486, 78963, 79565, 77994, 77488, 79096, 79097, 75693, 79379, 75791, 76273, 75491, 79380, 76692, 78075, 76490, 76308, 76310, 76306, 76301, 76302, 76309, 76305, 79788, 75977, 79098, 77378, 77318,

78675, 75169, 75172, 79381, 78676, 75492, 76389, 75493, 79566, 79789, 77665, 75494, 75792, 79567, 75978, 75496, 79382, 78393, 76491, 75979, 76712, 76693, 78677, 75098, 78886, 75497, 77995, 78164, 78076, 75980, 76890

Service Area:

Texas Roofing Laws and Regulations

In Texas, roof replacements must comply with state and local regulations to ensure safety and avoid fines. Here’s what every homeowner needs to know:

Key Laws

⚖House Bill 2102 (Texas Roofing Deductible Law)
Passed in 2019, this law prohibits contractors from waiving, absorbing, or covering your insurance deductible. Violators face penalties—always pay your full deductible.
🛠Shingle Layers
Per International Residential Code (IRC), roofs can have a maximum of two layers of asphalt shingles. Additional layers require a full tear-off.
🏡HOA Rules (2025 Updates)
New laws require HOAs to provide greater transparency on fees, voting, and fines. Always check your HOA for material or color restrictions.
💰Property Tax Relief
Senate Bill 4 increases homestead exemptions to $140,000 ($200,000 for seniors), potentially reducing taxes after energy-efficient roof upgrades.

Permits and Licensing

📄Permits
Required for major replacements in most cities; costs typically range from $100–$500. A reputable contractor will handle this for you.
🏅Contractor Licensing
Texas does not mandate state roofing licenses, but look for voluntary RCAT (Roofing Contractors Association of Texas) certification to ensure qualified professionals.

Non-compliance can void warranties or lead to insurance denials. Always consult a certified contractor for personalized guidance.

Insurance for Roof Replacement in Texas

Texas’ frequent storms make insurance crucial for roof replacements. Understanding your policy helps you maximize coverage and avoid surprises.

Common Coverage Types

💵Replacement Cost Value (RCV) vs. Actual Cash Value (ACV)
RCV covers full replacement cost without depreciation; ACV subtracts for age and wear. Most Texas homeowners prefer RCV for better protection.
⚠Old Roof Exclusions
For roofs 15–20+ years old, many insurers exclude wind/hail damage or limit coverage to ACV. Impact-resistant materials often restore full protection.
🎁Discounts
Save up to 20% on premiums with hail-resistant roofs (Class 4 shingles) or wind-rated installations, especially in coastal or hail-prone areas.

Claim Process Steps

1
Inspect for damage immediately after storms—look for missing shingles, dents, or leaks.
2
Contact your insurer and schedule a professional contractor estimate.
3
Avoid deductible scams—paying or waiving your deductible is illegal under HB 2102.
4
Document everything—take photos, keep receipts, and maintain detailed records.

Many Texans rely on insurance for roof replacements, but policies vary widely. Review yours annually—especially if you live in hail-prone areas like Dallas.

Financing Options for Roof Replacement in Texas

🏦

Home Equity Loans / HELOC

Low interest rates (typically 5–8%).
Borrow against your home’s equity.
Ideal for large roof replacement projects ($10,000+).
Tax-deductible interest in many cases.

💳

Credit Cards / Personal Loans

Fast approval with no home collateral needed.
Interest rates typically 6–20%.
Great for smaller replacements or urgent repairs.
Many offer promotional 0% intro periods.

🤝

Contractor / Insurance Financing

0% promotional periods often available.
Payments tied directly to your project.
Perfect for storm damage claims.
Convenient same-as-cash options from trusted roofers.

What Type of Solution Do You Need?

Replacement

Repair

Common Mistakes to Avoid in Roof Replacement

Steer clear of these common pitfalls to ensure a successful, cost-effective roof replacement in Texas.

⚠Ignoring Permits
Skipping required permits can lead to hefty fines, stop-work orders, or complications when selling your home.
💸Choosing Cheap Materials
Short-term savings often mean frequent repairs and early replacement—especially harsh on roofs in Texas heat and storms.
🛑DIY Attempts
Roofing is dangerous and complex—DIY work risks personal injury, poor installation, and voided manufacturer warranties.
❌Skipping Insurance Review
Failing to check your policy could mean missing out on coverage for storm damage or valuable premium discounts.
⏰Delaying After Damage
Waiting too long allows leaks to worsen, leading to interior damage, mold, and significantly higher repair costs.

Always consult experienced professionals for the best results and long-term protection.

How to Choose a Roofing Contractor in Texas

Selecting the right contractor ensures quality work, compliance, and peace of mind. Follow these steps to make an informed choice.

🔍Check Credentials
Look for voluntary RCAT certification, a strong BBB rating (A+ preferred), and proof of liability/workers’ compensation insurance.
⭐Read Reviews
Aim for 4+ star ratings on Google and Yelp. Pay special attention to recent reviews from Texas homeowners with similar projects.
📊Get Multiple Quotes
Compare 3–5 detailed estimates. Be cautious of unusually low bids—they often indicate corner-cutting or hidden fees.
🛡️Ask About Warranties
Confirm both material warranties (from manufacturers) and workmanship coverage (typically 10–25 years) are included.
🌪️Confirm Local Experience
Choose contractors familiar with Texas weather extremes (hail, heat, wind) and local building codes for lasting results.

Avoid scams: Never pay the full amount upfront and always confirm compliance with HB 2102 (no deductible waivers).

Get Roofing Cost in These Cities: Houston, TX; San Antonio, TX; Dallas, TX; Austin, TX; Fort Worth, TX; El Paso, TX; Arlington, TX; McKinney, TX; Irving, TX; Corpus Christi, TX; Lubbock, TX; Killeen, TX; Pasadena, TX; Amarillo, TX; Frisco, TX; Grand Prairie, TX; Brownsville, TX

Texas Roofing Companies

Texan Roofing

403 W Grand Pkwy S suite r, Katy, TX 77494 | +12813919600

Family-owned and operated
Extensive training for all team members
Free estimates for home improvement projects
Able to fix most leaks on the spot

Texan Roofing is a family-owned and operated business based in Katy, TX that specializes in home improvement projects. Since its inception in 2005, Texan Roofing has helped countless homeowners in Houston and surrounding areas with their roofing and other home improvement needs. With a team that has undergone extensive training, they are able to provide customers with accurate and educational information about their projects. Furthermore, Texan Roofing is dedicated to maintaining a great reputation with both its customers and the insurance adjusters it works with during catastrophic storms. Regardless of the job size, Texan Roofing has the tools and expertise to fix most leaks on the spot during the FIRST visit at a great price, making them the go-to choice for home improvement needs.

Texas Star Roofing Inc

1000 18th Pl, Plano, TX 75074 | +19727343103

Expert contractors
Hands-on experience
A+ rating with the Better Business Bureau
Use of energy-efficient materials

Texas Star Roofing is a roofing company based in Plano, Texas. The company specializes in providing repair, replacement, and inspection services for residential and commercial roofing. As extreme weather conditions can cause extensive damage to roofs, the company’s expert contractors have the hands-on experience to help offset and prevent this damage. Additionally, Texas Star Roofing uses energy-efficient materials to help customers save money on their next utility bill while also upgrading their roof’s aesthetic. With an A+ rating from the Better Business Bureau, Texas Star Roofing has been providing top-notch roofing services in Plano since 1997.

Lon Smith Roofing & Construction

904 E Waggoman St, Fort Worth, TX 76110 | +18179268400

Top 25 roofing company in America
46 years of experience in the Dallas Fort Worth Metroplex
“Commitment to Excellence” philosophy
High-quality roofing products and trusted service

Lon Smith Roofing is a premier roofing company that has been operating for over 46 years in the Dallas Fort Worth Metroplex. With a “Commitment to Excellence” philosophy, the company is dedicated to providing its customers with the highest quality roofing products and services in the industry. As one of America’s Top 25 roofing companies, Lon Smith Roofing has established itself as a trusted and reliable source for all roofing needs. Whether it’s repairing a leaky roof or installing a new one, customers can count on Lon Smith Roofing to deliver exceptional results and unparalleled customer service.

Texas Roofing & Leak Repair

524 Westgreen Blvd suite a, Katy, TX 77450 | +18329473783

Experienced roofing contractors
Exceptional customer experience
Same-day free roof inspections
Highly accredited & recommended company

Texas Roofing & Leak Repair is a leading roofing company in Katy, TX, providing residential and commercial roof leak repair services for many years. With a team of experienced roofing contractors, the company is committed to delivering exceptional customer experience, going above and beyond to ensure complete customer satisfaction. As a highly accredited and recommended company, Texas Roofing & Leak Repair holds certifications from CertainTeed and BBB, and is a trusted professional on Home Advisor. The company offers same-day free roof inspections and all types of roofing services, including diagnosing roofs with roofing shingles or waterproofing metal roofing by completing some roofing repairs.