Roofers in El Paso

A 2025 analysis of House Bill 3344 confirmed that Texas requires no state license for reroofing contractors; the bill to create one got no further than a committee report sent to Calendars on May 8, 2025. The Roofing Contractors Association of Texas runs a voluntary program for roofers who pass its exams, which is useful but not a government license.

El Paso's own rule is stricter. Residential general contractors doing roofing, windows, additions, remodels and similar work must register with the city and carry the insurance and bond above. Ask for the registration and a certificate of insurance, then ask for the permit number and look it up on the city's Citizen Access Portal or at the One Stop Shop at 811 Texas Ave.

HomeGuide puts a typical roof replacement at $5,700 to $16,000 nationally, or $3 to $6 per square foot installed, with Texas averaging $5,600 to $15,800. Nationally (HomeGuide, February 2026), minor repairs run $150 to $1,000 and moderate ones $1,000 to $3,000, and many roofers charge a $150 to $300 minimum to come out. Treat these as a range for comparing El Paso bids.

Texas Department of Insurance advice applies to any bid: get at least three on company letterhead, never sign a contract with blanks, and skip any contract that hands the roofer "the value of insurance proceeds." Our Texas roofing guide covers materials and pricing in more depth.

Your deductible is yours to pay

Texas law requires you to pay the deductible on a property insurance claim. Under Business and Commerce Code Chapter 27, a roofer paid from a claim who waives, absorbs, rebates or credits your deductible without the insurer's consent commits a Class B misdemeanor, which TDI says can mean a fine of up to $2,000 and up to six months in jail. A contract of $1,000 or more expected to be paid by insurance must say so in 12-point bold type. Report an offer to waive the deductible to the Attorney General's Consumer Protection Hotline, 800-621-0508.

How the roof claim pays out

With replacement cost coverage, the insurer usually pays in two checks: a first partial payment, then the rest after repairs begin. It can hold back the depreciation until you show proof the deductible was paid, such as a canceled check or card statement. An old roof alone isn't grounds for a claim.

Keep the paperwork together: the insurer's estimate, the signed contract, the El Paso permit number and your deductible receipt. After a declared natural disaster, Texas law bars an out-of-area disaster remediation contractor from requiring payment before work starts, and partial payments must be in proportion to work done. The rule doesn't cover a contractor with a business address in the same or an adjacent county for at least a year.

Roofing tested to UL 2218 is rated Class 1 to 4, and Class 4 earns the biggest insurance credit, though each insurer sets its own discount and paperwork. Call your insurer before you choose a shingle. If trees overhang the roof, book El Paso tree service before the roofer. See our El Paso guide for the city's other rules, or compare roofing companies in Lubbock.