Insurance Deductibles Explained

Texas law says you must pay your insurance deductible when you make a claim for a new roof. We cannot waive it. We cannot rebate it. We cannot cover it for you.

Some roofers promise to “cover your deductible.” That is against Texas law. It can hurt your claim and even void your policy.

We keep things clear and honest. We will help you understand the process and work with your insurance company the right way.

This page is general information, not legal or insurance advice. Read the Texas Department of Insurance page on this topic, and ask your insurance agent about your own policy.

How long does a roof replacement take?

Most homes take one to two days. A big or steep roof can take longer. We tell you the plan before we start.

How do I know if I have hail damage?

You often cannot see it from the ground. Hail leaves small marks on shingles and soft metal. We look for free and show you photos.

Does my insurance pay for a new roof?

Sometimes. It depends on your policy and your damage. Your insurance company makes that call. We help you take good photos and meet your adjuster.

Do I still pay my deductible?

Yes. Texas law says you must pay your deductible. We cannot waive it, rebate it, or cover it for you. We will explain it clearly so there are no surprises.

Can you talk to my insurance company for me?

We can meet your adjuster on your roof, show the damage, and give you good records. Only a licensed public adjuster can negotiate a claim for you, and Texas does not let us do that, since we do the work too.

How long does a shingle roof last in Texas?

Usually 15 to 30 years, depending on the shingle, the sun, and the storms. We can tell you roughly how much life yours has left.

What does the Silver Pledge warranty cover?

It adds 10 years of workmanship coverage on qualifying GAF roofing systems. It is backed by GAF. We will show you exactly what your roof qualifies for in writing.

Is the estimate really free?

Yes. The inspection and the written quote are free. There is no pressure to buy anything.

Do you clean up nails and debris?

Yes, every day we work. When the job is done we roll the yard with a magnet to pick up nails. Many of our reviews talk about this.

Which areas do you serve?

We are based in Sugar Land and serve the Greater Houston area, including Katy, Missouri City, Richmond, Pearland, Bellaire, and more. Call us if you are not sure.

Are you licensed, insured, and certified?

Yes. We are a GAF Master Elite contractor, a BBB Accredited Business with an A+ rating, and we carry insurance. We are happy to show documents.

Can you fix a small leak instead of replacing the whole roof?

Often, yes. Many leaks come from flashing or a pipe boot. We fix the real cause and tell you honestly if more work is needed.

This information is general and is not legal or insurance advice. Ask your insurance agent about your own policy.