Roof storms & insurance claims across Texas

804 Texas cities, each with the hail and wind radar recorded there over the last two years and how a roof claim works under Texas law. Pick a city, or check your exact address.

Most hail-struck cities in Texas

The rules of the game in Texas

Roofing and insurance are governed state by state — who may sell you a roof, what your deductible can look like, and how long you have to act all depend on Texas law. Each item below cites where it comes from.

Roofer licensing in Texas

Texas does not license or register roofing contractors at the state level. The Texas Department of Licensing and Regulation (TDLR) does not administer roofing licensure, so there is no state license class or dollar-value threshold that triggers one — anyone may legally work as a roofer statewide. Roofers can instead earn a voluntary license from the Roofing Contractors Association of Texas (RCAT), which requires being a principal in a Texas-domiciled roofing company for at least two continuous years, carrying general liability insurance ($300,000 for residential or $500,000 for commercial, or an equivalent bond), and passing a business/safety exam plus residential and/or commercial roofing exams with at least 70% on each; homeowners can confirm one through RCAT's "Find a Contractor" directory. Because there is no state license, check whether your city (for example Austin, Dallas, or San Antonio) requires local contractor registration or permits.

Source: Roofing Contractors Association of Texas (RCAT) — Licensing page (voluntary licensing program; states TDLR does not administer roofing licensure) (2026-07-19)

Public adjusters in Texas

In Texas, public insurance adjusters (who represent you, the policyholder) must be licensed by the Texas Department of Insurance under Insurance Code Chapter 4102. Their total commission, including all expenses, direct costs, or any other costs, cannot exceed 10 percent of the amount of your insurance settlement. Your signed contract must include a notice stating that you can cancel it by written notice to the public insurance adjuster within 72 hours of signature, for any reason.

Source: 28 Tex. Admin. Code § 19.708 (implementing Tex. Ins. Code ch. 4102); Texas Department of Insurance (2023-06-19)

Matching: must the insurer replace undamaged shingles?

Texas has no law or regulation requiring an insurer to replace undamaged roofing so that new material matches the old in appearance. The Texas Department of Insurance states plainly that "your company might not pay to replace the entire roof, even if the new shingles don't match the old ones perfectly." Whether matching is covered therefore depends on your specific policy language rather than on a state mandate.

Source: Texas Department of Insurance, consumer guidance "What to know about insurance and your roof" (2026-03-01)

Roof age and your coverage

In Texas, an older roof can change how much your insurer pays for roof damage. Many home policies pay replacement cost, but as a roof ages some companies switch it to actual cash value coverage, which pays the replacement cost minus depreciation for age and wear — meaning a smaller payout. If the roof is in poor condition, the insurer may not cover the roof at all; either way the company should tell you when it changes your coverage, so check your roof coverage at every renewal.

Source: Texas Department of Insurance — "Insurance and your roof: What to know when buying a policy or filing a claim" (2026-04-01)

Buying or selling: what must be disclosed

Texas is a mandatory-disclosure state, not pure "buyer beware." Under the Property Code, a seller of a home (one dwelling unit) must give the buyer a written Seller's Disclosure Notice, completed to the best of the seller's knowledge, before the contract binds the buyer. The form specifically asks the seller to disclose the roof type and age and any known defects or items needing repair, including the roof and other structural components. If the seller fails to provide the notice, the buyer may terminate the contract for any reason within seven days of receiving it.

Source: Tex. Prop. Code § 5.008 (Seller's Disclosure of Property Condition) (2023-09-01)

What homeowners pay here

In Texas, the average annual homeowners insurance premium was about $2,397, making it the third most expensive state in the country for home coverage (behind Florida and Louisiana). This figure reflects the statewide average across standard homeowners policies. Because Texas is hurricane- and hail-prone, premiums here run well above the national average, so it pays to compare quotes from multiple insurers before renewing.

Source: NAIC, "Average Premiums for Homeowners and Renters Insurance by State, 2022" (via Insurance Information Institute) (2022-12-31)

When the insurer won't move: file a complaint

In Texas, insurance companies, agents, and adjusters are regulated by the Texas Department of Insurance (TDI). If your homeowners insurer denies, delays, or underpays a claim, first talk to your company or agent, since many problems are fixed that way. If that does not resolve it, file a complaint through TDI's online complaint system, where you can upload documents such as photos and letters to and from the company; you can also call the TDI Help Line at 800-252-3439 (8 a.m. to 5 p.m. Central time). TDI will contact your insurer and ask for a response, and companies have 15 days to respond. However, TDI cannot make a company pay a claim unless the failure to pay violates a law or the terms of your policy, and it cannot settle disputes when you and the company disagree about the facts.

Source: Texas Department of Insurance (TDI) (2026-07-19)

Worth knowing

In Texas, it is illegal for a roofing contractor to offer to waive, rebate, or absorb your property insurance deductible, and by law you must pay that deductible on a covered roof claim. Any repair contract of $1,000 or more that involves an insurance settlement must include a written notice stating the homeowner is required to pay the deductible, and your insurer can request proof that you paid it. Treat a "we'll cover your deductible" pitch as a red flag, because it exposes both the contractor and you to legal risk.

Source: Texas Department of Insurance, "Roofing and insurance: Know the law" (citing Business & Commerce Code § 27.02 and Insurance Code Ch. 707) (2025-03-24)