FAQs

Do I need to file an insurance claim or pay retail for my roof replacement?

It depends on the condition of your roof. If your home has hail or wind damage, your insurance policy may cover the replacement. In this case, the project follows the insurance carrier’s approved scope, and you’re responsible only for your deductible and any upgrades you choose.

If your roof is simply aged, worn, or you want to upgrade materials, a retail roof is the best option. Retail roofing gives you full control over materials, colors, and enhancements without waiting on adjuster approvals.

We offer free storm inspections to help you determine which path is right for your home.

What storm damage is typically covered by insurance in Texas?

Texas policies generally cover sudden and accidental damage, including:

  • Hail impacts

  • Wind‑lifted or missing shingles

  • Storm‑created openings

  • Fallen debris damage

  • Water intrusion caused by storm damage

Coverage depends on your policy type (ACV vs. RCV), deductible, and exclusions. We document all damage with photos and help you understand what your adjuster will look for.

What are the legal requirements for roofing contractors in Texas?

Texas does not require a statewide roofing license, which makes choosing a reputable contractor essential.

However, major cities — including Houston, Dallas, Austin, and San Antonio — require contractors to:

  • Register with the city

  • Provide proof of general liability insurance

  • Pull permits when required

  • Follow local building codes

We maintain all required registrations and carry full insurance for your protection.

Can a roofing contractor waive my deductible?

How long does a roof replacement take?

What roofing materials do you offer?

Do you offer financing for retail roof replacements?

No. Under Texas Insurance Code §707, it is illegal for a contractor to waive, absorb, or rebate your deductible.

Any contractor offering to “cover your deductible” is violating state law and puts you at risk of claim denial or insurance fraud. We follow all Texas regulations and provide transparent pricing so you stay fully compliant.

Most Texas roof replacements take one day, depending on size and material. Factors that may affect the timeline include:

  • Weather conditions

  • Material availability

  • City permit requirements

  • Insurance approvals (for restoration jobs)

Retail projects can be scheduled immediately. Insurance projects may require adjuster inspections and scope approvals before work begins.

We offer a full range of roofing systems, including:

Asphalt shingles (standard & impact‑resistant)

Metal roofing

Tile roofing

Flat roofing systems (TPO, modified bitumen)

We help you choose the best option based on budget, durability, and Texas weather conditions.

Yes. We offer flexible financing options for retail roofing projects, including:

Low monthly payments

0% promotional plans (subject to approval)

No‑money‑down options

Financing allows you to upgrade your roof without waiting for insurance involvement.

What should I expect during the roof replacement process?

A typical replacement includes:

Pre‑construction walkthrough

Property protection (tarps, landscaping protection)

Removal of old roofing

Deck inspection

Installation of underlayment & shingles

Cleanup with magnets and debris removal

Final inspection

We keep you updated throughout the entire process.

How do I know if my roof has hail or wind damage?

Common signs include:

Granule loss

Bruised or cracked shingles

Missing shingles

Dents on gutters, vents, or flashing

Water stains on ceilings

We provide free, no‑obligation inspections with photos and a full damage report.

Do you work with my insurance company?

Yes — we assist you through the entire process, including:

Documenting storm damage

Meeting with your adjuster

Reviewing the insurance estimate

Ensuring all code‑required items are included

What should I do if my roof has storm damage and I have solar panels installed?

If you have roof‑mounted solar panels, the insurance and roofing process becomes more complex — but this is exactly where our team specializes.

Because the solar industry is still relatively new, many insurance carriers undervalue or overlook the components involved in removing, protecting, and reinstalling solar systems during a roof replacement. This can lead to incorrect or incomplete coverage if not handled by a certified expert.

Here’s how we protect you:

We are certified with all major solar manufacturers, which allows us to properly assess, document, and handle your system.

We perform a full solar + roofing inspection, identifying both roof damage and any storm‑related impact to the solar array.

We ensure the insurance carrier includes the correct line items, such as detach & reset (D&R), wiring, mounting hardware, and code‑required upgrades.

We do not inflate claims — our goal is simply to ensure the proper funds are issued, no more and no less.

We coordinate the entire process so your solar system is safely removed, stored, reinstalled, and re‑commissioned according to manufacturer standards.

If your home has solar panels, choosing a contractor without solar certifications can lead to denied items, unsafe handling, or out‑of‑pocket costs. Our expertise ensures your roof and solar system are restored correctly and fully covered.