1. How do I know if my roof has storm damage?
Look for missing shingles, bruised or cracked shingles, dented flashing, granule loss, or water spots on ceilings. A professional inspection is the best way to confirm.
2. Will my insurance cover roof damage from hail or wind?
Most homeowners’ insurance policies cover storm-related roof damage, but coverage can vary. It’s important to file a claim promptly and understand your deductible.
3. How long does a typical Texas roof last?
Depending on materials:
Asphalt shingles: 15–25 years
Metal: 40–70 years
Tile: 50+ years
Texas weather can shorten roof lifespans, especially with hail and high heat.
4. Do I need to replace my roof or just repair it?
If the damage is localized, a repair may be sufficient. Widespread issues, aging, or structural damage often call for a full replacement. A roofing inspection can provide guidance.
5. What roofing materials work best in Texas?
Impact-resistant asphalt shingles for hail
Metal roofing for durability and energy efficiency
Tile roofing in some areas for longevity
Choose materials rated for high wind and UV exposure.
6. Can I choose any contractor, or does insurance pick one?
You can choose your own contractor. It’s best to hire an insured local roofing company familiar with Texas codes and insurance processes.
7. What is a deductible, and can it be waived?
The deductible is the portion of the repair/replacement cost you pay. Texas law (HB2102) prohibits contractors from waiving deductibles—it’s illegal.
8. How long does it take to replace a roof?
Most residential roofs take 1–3 days, depending on size, material, and weather.
9. How much does a new roof cost in Texas?
Prices vary based on size and materials. On average:
Asphalt shingles: $6,000–$15,000
Metal: $10,000–$25,000+
A professional estimate is needed for accuracy.
10. What should I look for in a Texas roofing contractor?
Local license and insurance
Experience with insurance claims
Written estimates and contracts
Good reviews and references
No pressure or deductible scams