Question 1

How much does roofing insurance cost in Texas?

Accepted Answer

Texas roofing insurance is above the national average due to extreme weather risk (hail, wind, tornadoes) and high workers' comp rates for roofing class codes. Solo Texas roofer (owner-only): GL + commercial auto + tools = $250–$400/month. Small roofing crew (3–5 employees): add WC at $600–$1,200/month = total $900–$1,600/month. Mid-size roofing contractor (10+ employees, storm restoration focus): $2,500–$5,000+/month. Roofing workers' comp class code (5551) runs $15–$25 per $100 of payroll in Texas — one of the highest WC class codes in the state. The no-mandatory-WC rule in Texas helps some solo operators reduce costs.

Question 2

Does Texas require roofers to be licensed?

Accepted Answer

Texas does not have a statewide roofing contractor license. However: (1) Some Texas cities require local registration — Austin, Dallas, Houston, and San Antonio all have local contractor registration requirements. (2) Commercial roofing projects may require a registered contractor under municipal building codes. (3) Storm restoration contractors who handle insurance claim estimates and invoicing are regulated differently — misrepresenting insurance claims is a felony in Texas (HB 1774). (4) Roofers who work on commercial buildings exceeding certain values may need to work under a licensed general contractor. Verify local requirements in each municipality you work in.

Question 3

What is Texas HB 1774 and how does it affect roofing contractors?

Accepted Answer

Texas House Bill 1774 (2017) significantly changed how storm damage insurance claims work in Texas. Key impacts: (1) Reduced interest penalties on delayed claim payments, shifting some financial risk from insurers to contractors/homeowners. (2) Increased requirements for written notice before filing suit on a storm claim. (3) Made it harder for contractors to file policyholder-assigned claims. (4) Made roofing contractors who misrepresent claims on behalf of homeowners subject to criminal liability. Bottom line: Texas roofers doing storm restoration work need to understand HB 1774 restrictions and ensure their business practices comply. Using Assignment of Benefits (AOB) clauses has become more complex in Texas than pre-2017.

Question 4

Do Texas roofers need workers' comp?

Accepted Answer

Texas is the only state without mandatory WC — but roofing is the industry where opting out creates the most risk. Roofing has one of the highest workplace fatality rates of any trade. A roofer who falls without WC coverage creates full civil liability for the employer — with no cap on damages. Most commercial general contractors, property managers, and property insurance adjusters require proof of WC before allowing roofing subcontractors on their jobs. Voluntary WC is strongly advisable for any Texas roofer with employees. An occupational accident policy is an alternative for owner-operators wanting some protection without full WC.

Question 5

Does GL cover hail damage from my roofing work?

Accepted Answer

GL covers property damage YOU cause — not weather events. If your crew improperly installs flashing and the roof leaks, that is a completed operations claim under your GL. If a hailstorm damages a roof you just installed, the homeowner's property insurance (not your GL) covers it. Where GL and hail intersect: if your materials or equipment are damaged by hail on a job site, that may be covered by your inland marine policy (equipment floater). Debris from your job site that hail-driven wind turns into projectiles damaging neighboring property could be a GL claim. Always inspect for pre-existing hail damage before starting a job and document it with photos.

Question 6

What GL limits do Texas roofers need for commercial projects?

Accepted Answer

Commercial roofing projects in Texas typically require: $1M per occurrence / $2M aggregate minimum for most commercial projects. $2M per occurrence / $4M aggregate for large commercial buildings, schools, hospitals, and government properties. Completed operations coverage extending 2–10 years post-completion (roofing warranties are typically 20–50 years, but GL completed operations periods are shorter). The GC or property manager should be named as additional insured on your policy. Industrial and institutional facilities may require $5M limits with umbrella/excess coverage. Always request the COI requirements in advance of bidding — some commercial projects require specific endorsements not on standard GL policies.

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