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Hiring a Roofer in Texas
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
A new roof costs about $9,609 on average nationwide. In Texas, many roofs are replaced after hail, with insurance paying part.
Texas roofing laws protect you. Roofers can't pay your deductible, and they can't act as your insurance adjuster. Texas doesn't license roofers at the state level, so checking a roofer yourself matters.
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Texas roofing laws to know
- You must pay your own deductible. It's illegal for a roofer to waive it, absorb it, or promise a rebate. Breaking this law is a Class B misdemeanor.
- Contracts must include a deductible notice. Contracts of $1,000 or more that will be paid by an insurance claim must say that you must pay the deductible.
- Roofers can't negotiate your claim. They can't file a claim for you, negotiate a settlement, or say they speak for you with your insurer. A roofer can't also act as a public adjuster on your home.
A public adjuster is someone you hire to handle your claim with your insurer. Texas keeps that job separate from the person fixing your roof.
Do roofers need a license in Texas?
No. Texas doesn't require a state license for roofers. Some cities require roofers to register, so check with your local building department.
The Roofing Contractors Association of Texas (RCAT) offers a voluntary license. Roofers who have it passed roofing, business, and safety exams and showed proof of insurance. They also take classes each year to keep it. It's not required, but it's one more thing you can check.
Why it matters in Texas
Texas gets more hail than almost any other state. After a big storm, out-of-town crews often show up. Some do good work. Others are gone before problems appear, leaving you with a bad roof and no one to call.
If hail damaged your roof
- Call your insurance company first. Ask about your wind and hail deductible and whether your roof is covered at replacement cost or actual cash value. See Texas homeowners insurance.
- Take photos of the damage from the ground, plus any dented gutters, vents, or cars.
- Cover leaks with a tarp if it's safe, and save receipts.
- Get more than one written estimate. Here's how to compare roofing estimates.
- Don't sign anything that gives a roofer control of your claim.
What to check before you hire
- A local address and history. Ask how long they've worked in your area.
- Proof of insurance. Ask for liability and workers' comp certificates.
- A written, detailed estimate. It should list materials, tear-off, decking price per sheet, and warranty.
- Reviews and recent jobs you can drive by.
What to ask
- "What do you charge per sheet of rotten decking?"
- "Who pulls the permit?"
- "What's your workmanship warranty, and is it in writing?"
- "Are you registered with my city?"
The catch: if a roofer says they'll "take care of your deductible" or "handle the insurance company for you," that's a red flag. Both are against Texas law. You can report it to the Texas Attorney General at 800-621-0508.
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Related services
Replacing gutters too? See gutters. Want to measure first? See how to measure your roof.
More Texas guides: Texas homeowners insurance · Texas car insurance · Texas home equity loans · Texas cash-out refinance · Houston homeowners insurance · Houston car insurance · Houston roof replacement · Dallas homeowners insurance · Dallas car insurance · San Antonio car insurance · Austin car insurance · Fort Worth car insurance · San Antonio homeowners insurance
More roofing guides: Roof replacement cost · Roof inspection · Roof repair · Metal roofs · Hail damage · How to compare roofing estimates · How to measure your roof · Roof calculator
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