Texas hail damage, roof claims, and roofer rules (2026)
Last updated . General information, not legal or insurance advice.
Hail is a fact of life for Texas roofs. Here's what the 2026 storm data shows near our service cities, and the Texas rules that protect homeowners who hire a roofer after a storm.
2026 hail near Texas cities
NOAA SPC preliminary reports, March 1 – November 3, 2026:[1]
- Dallas: 58 reports of 1"+ hail within 50 mi (largest 4.50")
You must pay your deductible
Texas law requires the insured to pay the deductible. It is a Class B misdemeanor for a seller to waive, absorb, or rebate it, and contracts of $1,000 or more paid from insurance must carry a boldface notice saying so. Insurers may ask for proof you paid it before releasing recoverable depreciation. [2][3][4]
Your roofer cannot be your adjuster
Texas does not allow a contractor doing the work to act as a public adjuster on the same claim, or to advertise that they will. [5]
Contractor licensing in Texas: Texas has no statewide roofing contractor license. Local licenses or registrations apply where required. Contractor licensing details.
Before you sign anything
Get the license or registration number and proof of insurance. Get a written estimate and contract, and never sign over an insurance check.[6] Your insurer decides what's covered. A contractor can't promise it.
Rather talk to someone? Request a callback
Leave your name and number and a local roofing contractor will call you back about a free estimate and inspection. Available to homeowners in our service markets.
- A local contractor calls you. They confirm your address and a time that works.
- They inspect your roof. Free, in person, no obligation.
- You get a written price. You decide. No pressure.
Local Texas storm reports
Roof replacement cost in Texas cities
Frequently asked questions
Can a Texas roofer pay my deductible?
No. Texas law prohibits contractors from paying, waiving, or rebating your insurance deductible.
Is a free roof inspection in Texas really free?
Inspections requested through this site are free, with no strings attached and no obligation, for homeowners in our service markets.
Sources
- NOAA Storm Prediction Center, storm reports (preliminary). www.spc.noaa.gov/climo/reports/
- Tex. Ins. Code ch. 707. tcss.legis.texas.gov/resources/IN/htm/IN.707.htm
- Tex. Bus. & Com. Code 27.02. statutes.capitol.texas.gov/docs/BC/htm/BC.27.htm
- TDI, Can a contractor waive my deductible?. www.tdi.texas.gov/tips/can-a-contractor-waive-my-deductible.html
- TDI, Roofing and insurance: know the law. tdi.texas.gov/consumer/storms/roofing-and-insurance-know-the-law.html
- FTC, How to Avoid Scams After Weather Emergencies and Natural Disasters. consumer.ftc.gov/articles/how-avoid-scams-after-weather-emergencies-and-natural-
Sources checked November 4, 2026. Estimates are not quotes. Roofing, insurance, and legal details vary. Confirm with your contractor, insurer, or attorney.