Roofing Laws in Texas: What Homeowners and Contractors Need to Know

Navigating roofing laws in Texas is essential for both homeowners and roofing contractors. Whether you're dealing with a roof replacement, an insurance claim, or hiring a roofing company, understanding state laws can help you avoid legal pitfalls and roofing scams. Texas has specific regulations on insurance deductibles, liability insurance, and contractor licensing, all designed to protect property owners and ensure ethical business practices.

In this guide, we’ll break down key roofing laws in Texas, how they impact homeowners and contractors, and what to watch out for when hiring a roofer.

Texas Roofing Laws and Regulations

Texas does not have a statewide roofing license requirement, but there are still important laws and guidelines that impact roofing contractors and property owners.

Licensing and Registration for Roofing Contractors

Unlike some states, Texas does not require roofing contractors to obtain a state-issued license. However, many reputable contractors choose to register with the Roofing Contractors Association of Texas (RCAT), which offers a voluntary licensing program.

Key points:

• The Texas Department of Licensing and Regulation does not regulate roofing contractors at the state level.

• RCAT provides a voluntary licensing program that verifies a roofer’s experience, insurance coverage, and financial responsibility.

• Homeowners should verify that their roofing contractor has general liability insurance and workers’ compensation coverage to avoid potential liability issues.

Can I Replace My Own Roof in Texas?

Homeowners in Texas are legally allowed to replace their own roofs without hiring a licensed roofing contractor. However, before starting a DIY roof replacement, consider the following factors:

1. Permits and Local Regulations

• Some cities, such as Houston and Fort Worth, may require permits for a new roof or significant roof repair projects.

• Check with your local building department to ensure compliance with municipal regulations.

2. Insurance and Liability Risks

• If you replace your own roof and make installation errors, your property insurance policy may not cover damages caused by improper installation.

• If an accident occurs, you could be personally liable for injuries, whereas a professional roofing company carries workers’ compensation and liability insurance to cover these risks.

3. Manufacturer Warranty Considerations

• Many roofing material manufacturers require installation by a certified roofing contractor to maintain the product warranty.

• Improper installation of shingles or other materials could void the manufacturer’s warranty, leaving you with out-of-pocket repair costs.

4. Time and Skill Requirements

• Roofing is a physically demanding job that requires proper safety equipment and training.

• Professional roofers have the experience to install a roof efficiently and correctly, reducing the risk of leaks and structural damage.

While replacing your own roof is legal in Texas, the risks often outweigh the cost savings. Hiring a licensed and insured roofing contractor ensures compliance with Texas law, protects your investment, and guarantees a professionally installed roof.

Texas Insurance Laws and Roofing Claims

If your roof has been damaged by hail, wind, or another covered event, your property insurance policy will likely cover the cost of repairs or a full roof replacement. However, Texas law has specific regulations on how insurance claims and deductibles must be handled.

The Texas Insurance Deductible Law

One of the most important laws affecting homeowners and contractors is Texas Insurance Code Section 707, also known as the anti-waiving deductibles law. This law, which went into effect in 2019, states that:

• Homeowners must pay their insurance deductible out of pocket before an insurance company will pay for a roof repair or replacement.

• It is illegal for a roofing contractor to offer to waive, rebate, or absorb the deductible in any way.

• Violating this law can result in criminal charges for both the contractor and the homeowner.

Beware of Roofing Scams: "Free Roof" Offers

Some dishonest roofing companies promise homeowners a "free roof" by claiming they can waive the insurance deductible. Under Texas law, this practice is illegal, and engaging in it can result in severe penalties. Homeowners should be wary of any contractor offering:

• To pay, waive, or refund the deductible.

• Rebates or discounts equal to the deductible amount.

• False invoices that misrepresent the amount paid by the homeowner.

The Texas Department of Insurance (TDI) and local authorities actively investigate and prosecute roofing scams involving insurance fraud. Homeowners should always request detailed, written contracts and avoid working with any contractor who suggests bending the rules.

Workers’ Compensation and Liability Insurance

Another crucial aspect of Texas roofing laws is worker safety and liability protection. Since roofing is a high-risk industry, homeowners should ensure that their chosen contractor carries proper workers’ compensation and general liability insurance.

• Texas law does not require private employers to carry workers’ compensation insurance, but responsible roofing companies voluntarily provide coverage to protect their employees.

• If a roofer does not have workers’ compensation, the homeowner could be held liable for injuries that occur on their property.

• Contractors should also carry general liability insurance to cover accidental property damage during a roof repair or replacement.

When hiring a roofing contractor, ask for proof of insurance and verify their coverage with the Better Business Bureau (BBB) or directly with their insurance provider.

Choosing a Reputable Roofing Contractor in Texas

Whether you need a new roof in Houston, Fort Worth, or anywhere in Texas, finding a qualified and trustworthy contractor is crucial. Here are some tips for selecting a reputable roofing company:

1. Verify RCAT Certification – Choosing an RCAT-licensed contractor ensures they meet industry standards.

2. Check BBB Ratings – The Better Business Bureau provides ratings and reviews that indicate a company’s reputation.

3. Request a Written Contract – A legitimate roofing contractor will provide a detailed contract outlining materials, costs, timelines, and warranties.

4. Avoid Door-to-Door Sales Scams – Be cautious of roofers who show up uninvited after a storm, pressuring you into quick decisions.

5. Confirm Insurance Coverage – Always ask for proof of liability insurance and workers’ compensation to protect yourself from unexpected expenses.

Understanding Roofing Warranties in Texas

When investing in a new roof, understanding warranties is essential. Roofing warranties typically fall into two categories:

• Manufacturer Warranties – Cover defects in roofing materials, such as shingles or underlayment.

• Workmanship Warranties – Provided by the contractor, covering installation errors or defects in labor.

Texas homeowners should review their warranty details to ensure they are adequately covered. Some warranties may be voided if repairs are done by an unlicensed or uninsured contractor.

Conclusion

Understanding Texas roofing laws is essential for homeowners and contractors alike. From insurance claims and waiving deductibles to liability insurance and contractor licensing, staying informed can help you avoid legal trouble and roofing scams. Always work with a reputable roofing contractor who follows state law, carries the proper insurance, and provides a clear, written contract.

If you're in need of roof repair, roof replacement, or a new roof, Atlas Roofing Pros is here to help. Our experienced team follows all Texas laws and regulations, ensuring quality workmanship and compliance with industry standards. Contact us today for a free consultation and let us protect your home with expert roofing services!