Roofers in Texas

HomeGuide's roof replacement guide gives a Texas average as well as a national one. The repair figures are national.

HomeGuide bases its replacement figures on a single-story home with a 6:12 pitch, so a two-story house or a steeper roof won't match the baseline. Material moves the price too: HomeGuide puts 3-tab asphalt at $3 to $5 per square foot and architectural shingles at $4 to $6.

Ask every roofer to quote the roof area in squares, the material and the total. With the same three numbers on each bid, you can compare them line by line. If an insurance claim pays for the job, you still owe the deductible, as the next sections explain.

Texas doesn't currently require a state-issued license for reroofing contractors, according to the Texas House committee's 2025 analysis of HB 3344, a bill that would have had TDLR license them. The bill's last recorded action was a committee report sent to the Calendars committee on May 8, 2025.

No state roofing license doesn't mean no local rules. Your city may require a permit or contractor registration for a reroof, so ask the building department and get any permit number from the roofer.

The RCAT roofing credential

The Roofing Contractors Association of Texas, a statewide trade group founded in 1975, runs a voluntary Licensed Roofing Contractor program for roofers who meet its requirements and pass industry exams. The state doesn't issue it. If a roofer cites it, confirm it with the association.

With no state license to look up, check the business: written bids on letterhead with a phone number and address, proof of insurance you confirm with the insurer, and a permit number where your city issues one.

Texas law requires a homeowner with property insurance to pay any deductible that applies to a claim (Insurance Code §707.002). The contractor's side of that rule is in Business & Commerce Code §27.02: a roofer or other seller paid from a claim commits an offense if, without the insurer's consent, it pays, waives or absorbs your deductible, gives a rebate or credit that offsets it, or helps you avoid paying it in any other way. The offense is a Class B misdemeanor, and TDI says violators face up to a $2,000 fine and up to six months in jail under the law in effect since September 1, 2019.

A contract with a price of $1,000 or more that's expected to be paid from a property insurance claim must carry a notice, in at least 12-point bold type, that you must pay the deductible and that it's illegal for the seller to help you avoid it. A claim-funded roofing contract without that notice is missing something §27.02 requires.

How Texas insurers pay a roof claim

With replacement cost coverage, TDI says the insurer pays in two checks: a partial payment first and the rest after repairs start. Under Insurance Code §707.004, the insurer can hold back recoverable depreciation until you show reasonable proof that you paid the deductible, such as a canceled check, money order receipt, credit card statement or financing contract. Pay the deductible in a way that leaves that record.

TDI also notes that insurers don't pay for a new roof just because the old one is worn out, and that wind and hail deductibles may differ from your other deductibles. If a roofer offers to cover your deductible, TDI says to talk to your insurance company first; you can also report it to the Texas Attorney General's Consumer Protection Hotline at 800-621-0508.

TDI's advice on contractor scams fits every roof job. Get at least three bids on company letterhead with a phone number and an address, never sign a contract with blank spaces, and don't sign one that says you agree to the repairs "for the value of insurance proceeds". With that wording, TDI says, the contractor gets every penny of your insurance payment.

Disaster remediation contracts under Chapter 58

After a natural disaster declared by the governor or a county judge, Business & Commerce Code Chapter 58 covers disaster remediation contractors from outside the area. Their contract must be in writing and carry a 10-point bold notice citing Chapter 58. They may not require any payment before work begins, and partial payments may not exceed an amount reasonably proportionate to the work done, including materials delivered. A violation is a deceptive trade practice.

The chapter doesn't apply to a contractor that has kept a physical business address for at least a year in the same county or an adjacent one. Ask a storm roofer for that local address, and if they don't have one, don't pay before work starts.

Read the contract's own cancellation terms before you sign. If the roofer promises you can back out should the claim be denied, get that promise written into the contract.

Texas had the most major hail events of any state in 2025, with 902, according to the Insurance Information Institute (Triple-I). Triple-I also cites a separate, broader series: NOAA's Storm Prediction Center counted 5,432 hail events of all sizes nationwide that year, so the two counts measure different things and can't be compared. One large insurer's figures point the same way, naming Texas its top state for hail claims in 2025, per Triple-I.

Impact-resistant roofing credits in Texas

Roofing tested to UL 2218 is rated Class 1 to 4, and a Class 4 roof covering earns the highest premium credit. Each insurer sets its own discount and paperwork, so ask yours what it gives and what it needs before you choose a material. For credits on a TWIA policy, the product must carry its UL 2218 classification and labeling, and the contractor completes TDI form PC068.

TDI adds that insurers often discount roofs made of damage-resistant or fire-resistant materials, and sometimes give a discount for a newer roof. After a reroof, tell your insurer and ask about both.

Before storm season, look at the limbs over your roof as well. The tree service guide covers hiring for that work.

Properties in 14 Texas coastal counties and in parts of Harris County east of Highway 146 are in TDI's designated catastrophe area. The 14 first-tier coastal counties are Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy. Homeowners there who can't get private wind and hail cover can buy it from the Texas Windstorm Insurance Association (TWIA).

In the catastrophe area, a roof replacement generally needs a windstorm inspection and a TDI certificate of compliance. A WPI-8 covers work inspected while it's under way by an appointed Texas-licensed engineer or TDI inspector; a WPI-8-E covers finished work inspected by a Texas-licensed engineer. Roof repairs under 100 square feet that don't involve decking don't need one. Ask the roofer, before you sign, how they'll meet the inspection requirement.

Texas law doesn't require windstorm insurance, but a coastal lender likely will. To get TWIA you must have been turned down for wind and hail cover by an insurer and hold a compliance certificate, and you can't buy a policy while a hurricane is in the Gulf. TWIA claims must be filed within one year of the storm.

1. Get at least three written bids on letterhead with a phone number and address.
2. Ask your city whether a reroof needs a permit or contractor registration, and get the number.
3. For a claim job of $1,000 or more, check the contract carries the bold deductible notice, and turn down any offer to waive or rebate the deductible.
4. Don't sign a contract with blanks or one that hands the roofer the value of your insurance proceeds.
5. Pay the deductible by check, card or a financing contract, so you can prove it to release the depreciation holdback.
6. After a declared disaster, don't pay an out-of-area contractor before work begins.
7. On the coast, ask who will do the windstorm inspection and get the WPI-8 or WPI-8-E.
8. For an impact-resistant roof, ask your insurer about the credit first; on a TWIA policy, ask the contractor to complete form PC068.

The city lists on this site rank roofers on public review data, explained in our terms of service. Texas has no state roofing license for the ranking to check, so run the checks above on any roofer you call.

Each city page lists local roofers ranked on review data and adds the local permit and storm checks.

Roofers in Dallas-Fort Worth

Dallas, Garland, Grand Prairie, Richardson, Fort Worth, Arlington, North Richland Hills, Plano, Frisco, McKinney, Denton, Flower Mound, Rockwall, Burleson. Region guide: Dallas-Fort Worth.

Roofers in North Texas and Texoma

Wichita Falls. Region guide: North Texas and Texoma.

Roofers in Houston and the Gulf Coast

Houston, Pasadena, Cypress, Baytown, Katy, Sugar Land, Conroe, The Woodlands, Pearland, League City, Friendswood, Galveston. Region guide: Houston and the Gulf Coast.

Roofers in Southeast Texas

Beaumont. Region guide: Southeast Texas.

Roofers in East Texas

Tyler, Longview. Region guide: East Texas.

Roofers in Austin and the Hill Country corridor

Austin, Pflugerville, Round Rock, Georgetown, Cedar Park, Wimberley. Region guide: Austin and the Hill Country corridor.

Roofers in Central Texas

Killeen, Waco. Region guide: Central Texas.

Roofers in San Antonio and the Hill Country

San Antonio, New Braunfels. Region guide: San Antonio and the Hill Country.

Roofers in South Texas and the Rio Grande Valley

Corpus Christi, McAllen, Brownsville, Harlingen. Region guide: South Texas and the Rio Grande Valley.

Roofers in West Texas

El Paso, Midland, Odessa, Abilene, San Angelo. Region guide: West Texas.

Roofers in Panhandle and South Plains

Lubbock, Amarillo. Region guide: Panhandle and South Plains.