Texas Roofing Help
Texas roofing rules from official sources: no state roofing license, the deductible law, insurance claim deadlines, TWIA on the coast, storm chaser warnings and city re-roof permits. Information only.
Key facts (each checked against its source)
- We found no Texas state license for roofers or roofing contractors. Roofing is not on TDLR's list of regulated industries. (source: Texas Department of Licensing and Regulation)
- A contractor offering to waive, absorb or rebate your deductible commits a Class B misdemeanor. (source: Texas Legislature)
- Roofing contracts of $1,000 or more paid from an insurance claim must include the deductible notice. (source: Texas Legislature)
- Insurers must acknowledge a claim within 15 days and pay within 5 business days of approval. (source: Texas Department of Insurance)
- TWIA policyholders have one year from the date of damage to report a claim. (source: Texas Windstorm Insurance Association)
- A contractor cannot act as your public adjuster on a job it is doing. (source: Texas Department of Insurance)
- Make only temporary repairs, such as a tarp, before the adjuster sees the damage. (source: Texas Department of Insurance)
Licenses, law and claims
- Do roofers need a license in Texas?: We found no state roofing license. What the law does say about roofers and insurance claims.
- Can a roofer waive or pay my insurance deductible in Texas?: No. Business and Commerce Code 27.02, Insurance Code 707 and the required contract notice.
- Texas roof insurance claim deadlines: How long you have to file, and how long your insurer has to respond and pay, from TDI and TWIA.
- Coastal roofs: TWIA coverage and the WPI-8: Who TWIA covers, why reroofing needs a Certificate of Compliance, and the one year claim deadline.
- Do I need a permit to replace my roof in Texas?: Re-roof permit rules in ten Texas cities, each from the city's own page.
Storms, hiring and complaints
- Storm chaser roofers: how to spot a Texas roofing scam: Door to door contractors, down payments, blank contracts and price gouging, from the Attorney General and TDI.
- How to hire a roofer in Texas: TDI's checklist: three bids, letterhead estimates, insurance and what to put in the contract.
- Hail damaged my roof. What do I do first?: TDI's steps after hail or wind: file fast, document, temporary repairs only and keep receipts.
- Texas roofing fees, penalties and numbers: City permit and registration fees, deductible law penalties and agency phone numbers in one table.
- Where to complain about a roofer in Texas: The Attorney General for roofing scams and deductible offers, TDI for insurance claims.
Texas cities
All questions (FAQ) · All sources
Sources
- Texas Department of Licensing and Regulation (TDLR): Texas Department of Licensing and Regulation: Regulated Industries (checked November 1, 2026)
- Texas Legislature (Texas Constitution and Statutes): Business and Commerce Code Chapter 27 (Section 27.02) (checked November 1, 2026)
- Texas Department of Insurance (TDI): Residential Property Insurance Consumer Bill of Rights (PDF) (checked November 1, 2026)
- Texas Windstorm Insurance Association (TWIA): Claims (checked November 1, 2026)
- Texas Department of Insurance (TDI): Roofing and insurance: Know the law (checked November 1, 2026)
- Texas Department of Insurance (TDI): Home Insurance Guide (checked November 1, 2026)
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