Roofing Cost Questions Answered
Everything you need to know about roofing costs in Texas—pricing, financing, insurance, and what affects your investment.
How much does a new roof cost in Texas?
Texas roof replacement typically costs $8,000-$16,000 for an average 2,000 sq ft home with architectural shingles. Costs vary by roof size, materials, pitch, and complexity. Metal roofing costs $15,000-$30,000+. With storm damage, insurance often covers most costs—you may only pay your deductible.
What factors affect roof replacement cost?
Main factors include: roof size (measured in 'squares' = 100 sq ft), material choice, roof pitch/steepness, number of layers to remove, complexity (valleys, dormers, skylights), accessibility, local labor rates, and permit fees. We provide detailed estimates explaining all factors.
Will I only pay my deductible if insurance covers my roof?
For legitimate storm damage claims, yes—you should only pay your deductible. Insurance covers the rest based on actual replacement costs. We advocate with insurance to ensure you're paid correctly. Be wary of contractors who promise to 'waive' deductibles—this is insurance fraud in Texas.
How is roofing pricing determined?
Pricing is based on accurate measurements and industry-standard rates from software like Xactimate (used by insurance companies). This ensures fair, transparent pricing. We measure using satellite/drone technology and provide itemized estimates with no hidden fees.
Do you offer financing for roof replacement?
Yes, we offer flexible financing through approved lenders. Options include 0% interest for 12-18 months, low-rate extended terms, and same-as-cash programs. Most homeowners qualify, and we help you find the best option for your budget.
What payment methods do you accept?
We accept insurance claim payments (most common for storm damage), checks, credit cards, and financing. For insurance work, payment is typically made when insurance funds are received. For cash projects, we offer progress payment schedules.
Why do roofing quotes vary so much?
Quotes vary based on: material quality (3-tab vs architectural vs premium), contractor overhead and licensing, warranty coverage, installation methods, and whether proper steps are included. The lowest quote often means corners cut. We explain exactly what's included.
Is a more expensive roof worth it?
Often yes. Premium materials like Class 4 impact-resistant shingles or metal roofing cost more upfront but offer: longer lifespan (25-50+ years), better storm resistance, potential insurance discounts (10-20%), lower maintenance, and better energy efficiency. We help you calculate long-term value.
What's included in a roof replacement quote?
Our quotes include: complete tear-off and disposal, new underlayment, all flashing and penetration sealing, new shingles/materials, ridge vents, permits, final inspection, cleanup, and warranty documentation. No surprise add-ons.
How do I know I'm getting a fair price?
Get 2-3 quotes from licensed contractors. Compare apples-to-apples: same materials, same scope of work, same warranty coverage. Check credentials (GAF Master Elite, HAAG certification). The lowest price isn't always best value—factor in experience, warranties, and reputation.
Can I negotiate roofing prices?
For insurance work, prices are based on industry standards—there's little negotiation since insurance determines payouts. For cash projects, we offer competitive pricing but won't cut quality to match lowball quotes. We focus on fair value, not being the cheapest.
What's the cost difference between repair and replacement?
Repairs typically cost $150-$1,500 depending on scope. Replacement costs $8,000-$16,000+. The decision depends on: roof age (over 15-20 years often justifies replacement), extent of damage, insurance coverage, and long-term plans for your home.
Get Your Free Roofing Estimate
No pressure, no obligation. We'll assess your roof, discuss options, and provide clear pricing. Use our calculator for a quick estimate, or schedule an in-person inspection for detailed pricing.