Can My Insurance Company Make Me Replace My Roof in Texas? What Homeowners Need to Know

If your insurance company recently told you your roof is too old, your roof coverage changed, or your policy may not renew unless you replace your roof, you are definitely not the only one dealing with this.

We are seeing this more and more with Texas homeowners.

Sometimes the message is obvious. You may get a letter that says your roof must be replaced before renewal. You may be told your roof is showing excessive wear. You may be asked for proof of roof replacement. Or your insurance company may say they will no longer insure the home because of the roof’s age or condition.

But sometimes the biggest problem is much quieter.

Your policy renews. Your mortgage escrow keeps paying the premium. You assume everything is fine. Then months later, a hailstorm hits, your roof gets damaged, and you find out your roof coverage is no longer what you thought it was.

Instead of having Replacement Cost Value coverage, your roof may have been switched to Actual Cash Value coverage.

That one change can turn a roof claim from a manageable deductible into a five-figure out-of-pocket surprise.

This is one of the most important things homeowners in Houston, Katy, Cypress, Tomball, The Woodlands, Spring, Sugar Land, Pearland, Missouri City, Austin, and other Texas communities need to understand right now.

Your home may still be insured.

But your roof may not be covered the way you think it is.

Can My Insurance Company Make Me Replace My Roof?

An insurance company usually cannot physically force you to replace your roof, but they can make roof condition a requirement for coverage.

That means your insurance company may:

• refuse to renew your policy,

• reduce your roof coverage,

• switch your roof from Replacement Cost Value to Actual Cash Value,

• exclude certain types of roof damage,

• require proof of roof repair or replacement,

• charge a higher premium,

• or refuse to insure the home if the roof is too old or in poor condition.

So the practical answer is yes: if you want to keep normal homeowners insurance, satisfy your mortgage requirements, or avoid expensive coverage issues, you may need to replace the roof.

That does not always mean you should immediately pay out of pocket for a new roof.

The right next step depends on why the insurance company is requiring replacement, how old the roof is, whether the roof has storm damage, and what kind of roof coverage you currently have.

The Thing Homeowners Miss: RCV vs. ACV Roof Coverage

Most homeowners do not spend much time reading their renewal paperwork.

That is understandable. Insurance documents are long, confusing, and full of language that does not feel important until something goes wrong.

But there is one roof coverage change that can be extremely expensive if you miss it:

Your roof may switch from RCV to ACV coverage as it gets older.

Let’s break that down.

What Is RCV Roof Coverage?

RCV stands for Replacement Cost Value.

In simple terms, Replacement Cost Value coverage is the type of coverage most homeowners think they have. If a covered storm damages your roof, the insurance payment is based on the current cost to replace the roof with comparable new materials, minus your deductible and any policy-specific limits.

So if your roof costs $20,000 to replace and you have a $4,000 deductible, the insurance-covered portion may be around $16,000, assuming the damage is covered and the scope is approved.

That is why many homeowners think of a roof insurance claim as:

“My roof was damaged, I pay my deductible, and insurance covers the rest.”

With RCV coverage, that may be how it works.

What Is ACV Roof Coverage?

ACV stands for Actual Cash Value.

Actual Cash Value coverage is different because it factors in depreciation.

Depreciation is the insurance company’s way of saying your roof is not brand new anymore. If the roof is older, has wear, or has used up a portion of its expected life, the insurance payout may be reduced.

That can make a huge difference.

With ACV roof coverage, your insurance company may not pay based on the full cost of a new roof. They may pay based on the depreciated value of your current roof.

That means the older the roof is, the less money you may receive after a covered storm.

This is why ACV coverage can be a shock for homeowners who thought they were fully protected.

Texas insurance guidance explains that replacement cost coverage and actual cash value coverage can lead to very different claim payments because ACV subtracts depreciation for age and wear. It also warns homeowners to check renewal documents because some policies switch older roofs to ACV as the roof ages.

How Your Out-of-Pocket Cost Can Jump from $4,000 to $14,000 - An Example about RCV VS ACV Roof Coverage

Let’s say you have an average-sized roof that costs about $20,000 to replace.

Let’s also say your deductible is $4,000.

If you have Replacement Cost Value coverage, the math may look something like this:

$20,000 roof replacement

minus $4,000 deductible (your total out of pocket expense)

equals about $16,000 covered by insurance

In that example, your main out-of-pocket cost is your deductible, plus any upgrades, uncovered items, or policy differences.

Now let’s say your roof coverage changed to Actual Cash Value.

If your roof is older and the insurance company applies $10,000 in depreciation, the math may look more like this:

$20,000 roof replacement

minus $10,000 depreciation

minus $4,000 deductible

equals about $6,000 covered by insurance

That means your out-of-pocket cost could jump to about $14,000.

Same house.

Same roof.

Same storm.

Same deductible.

But instead of paying around $4,000 out of pocket, you may now be responsible for around $14,000 because the roof coverage changed from RCV to ACV.

That is the part that catches homeowners off guard. Here is another example:

The numbers will vary by policy, roof size, roof age, deductible, depreciation, and covered damage, but the lesson is the same:

Do not wait until after a storm to find out how your roof is covered.

Why This Often Happens Without Homeowners Realizing It

A lot of homeowners tell us some version of the same thing:

“I still have insurance, so I thought my roof was covered.”

That is the problem.

Having homeowners insurance does not always mean your roof is covered at full replacement cost.

Your policy may renew automatically. Your mortgage company may pay the premium through escrow. Your insurance card may still show active coverage. But buried somewhere in the renewal documents, the way your roof is covered may have changed.

This can happen when a roof reaches a certain age, often around the 15-year mark depending on the carrier and policy. Some homeowners may also see stricter underwriting once a roof gets closer to 20 years old.

In the real world, homeowners may not notice the change until one of these things happens:

• a hailstorm damages the roof,

• they receive a roof nonrenewal notice

• the have other forms of roof storm damage (wind, hurricane, ect)

That is why we recommend checking your roof coverage before there is a problem.

“If hail damaged my roof tomorrow, would my roof be paid at replacement cost or actual cash value?”

That one question can save you from a very expensive surprise.

At What Age Do Roof Insurance Problems Usually Start?

There is no one-size-fits-all answer.

Every insurance company has its own underwriting rules. Every policy can be different. Roof material, roof condition, installation quality, ventilation, maintenance, tree coverage, past storm exposure, and claim history can all matter.

But from what we are seeing in the field, homeowners should start paying closer attention once a roof is around 15 years old.

That is when some policies may begin changing roof coverage from Replacement Cost Value to Actual Cash Value.

Once a roof gets closer to 20+ years old, some carriers may become much more aggressive. At that point, homeowners may see notices saying the roof must be replaced to continue coverage or that the carrier will not renew the policy unless the roof is updated.

That does not automatically mean every 15-year-old roof is bad.

It also does not mean every 20-year-old roof is leaking or failing.

But insurance companies are looking at risk. Older roofs are more likely to have brittle shingles, granule loss, wear and tear, prior storm damage, old repairs, and future leak risk.

That is why roof age matters so much for insurance.

The important thing is not to guess.

If your roof is getting older, get it inspected, check your coverage, and understand your options before the insurance company forces the conversation.

What If Your Insurance Company Sends a Roof Replacement Notice?

If you get a letter saying your roof must be replaced, do not ignore it.

But also do not panic.

A roof replacement notice does not automatically mean you have to pay for the whole roof out of pocket tomorrow.

The first thing to figure out is why the insurance company is requiring replacement.

There are usually three main possibilities.

Reason #1: The Roof Is Old or Near the End of Its Life

Sometimes the roof is simply old.

If a roof is 20+ years old, brittle, heavily worn, missing granules, patched in multiple places, or showing signs of deterioration, the insurance company may no longer want to take on that risk.

In that situation, insurance usually does not pay for a new roof just because the roof is old.

Homeowners insurance is designed for sudden covered damage, like hail, wind, fire, or another covered event. It is not designed to replace a roof simply because the roof reached the end of its useful life.

So if there is no covered storm damage and the roof is just worn out, the homeowner may need a retail roof replacement.

That is where financing can make a big difference.

A new roof is a major investment, and not every homeowner wants to pay the full amount upfront. Martin Roofing & Solar offers roof financing options and payment plans for roof replacement, roof repair, and roofing/solar projects, including monthly roof payment options and promotional rates depending on approval and available terms.

Reason #2: The Insurance Company Flagged the Roof During Underwriting

Sometimes the issue is not just age. It is what the carrier sees.

Insurance companies may review exterior photos, inspection reports, satellite images, drone images, or underwriting data. They may flag things like:

• missing shingles,

• lifted shingles,

• curling shingles,

• granule loss,

• staining,

• old repairs,

• sagging areas,

• or general signs of deterioration.

In some cases, the roof really does need replacement.

In other cases, the issue may be repairable or may need better documentation.

That is why a professional roof inspection is important.

A roof inspection can help answer questions like:

• Is the roof actually damaged?

• Is it just old?

• Is the issue cosmetic or functional?

• Are there missing or loose shingles?

• Is there evidence of hail or wind damage?

• Is the roof repairable?

• Would replacement be the smarter long-term option?

• What documentation does the insurance company need?

You do not want to make a $20,000 decision based only on a vague letter.

Get the roof looked at first.

There May Be Storm Damage from the Last 12 Months

This is the one homeowners often miss.

Let’s say your insurance company sends you a notice saying your roof is too old and must be replaced.

Your first thought may be:

“Well, I guess insurance is not going to help.”

But that may not be true.

If your home was hit by hail or damaging wind while your policy was active, and you are still within your policy’s claim reporting deadline, you may still be able to have the roof inspected for storm damage.

The key question is:

Was the roof damaged by a covered storm while you were insured by that carrier?

If the answer is yes, the fact that your carrier is now threatening nonrenewal does not automatically erase the coverage that existed on the date of the storm.

This is very important.

Many Texas roof policies have claim deadlines around 12 months from the date of storm damage, but deadlines can vary by carrier and policy language. Martin already has a full guide on Texas roof claim deadlines, and homeowners should act quickly because waiting too long can put a claim at risk.

So before you assume you are stuck paying retail for the entire roof, ask:

“Has there been hail or wind at my address in the last year?”

That one question can completely change the direction of the conversation.

What We Recommend Doing First: Have Us Check the Storm History On Your Address

When a homeowner calls because their insurance company is requiring a new roof, one of the first things we want to know is whether the home has been hit by hail or strong wind recently.

A storm report can help identify whether hail or wind events occurred near the property.

If there was no recent storm activity, then the conversation may move toward retail replacement, repairs, financing, or documentation for the insurance company.

But if the home was in a storm-affected area, the next step is a roof inspection.

During the inspection, we are looking for signs such as:

• hail impacts on shingles,

• bruising or fractures in the shingle mat,

• damaged ridge caps,

• dents on vents, flashing, gutters, and other soft metals,

• missing shingles,

• lifted shingles,

• creased shingles,

• and other signs of storm-related damage.

If there is no storm damage, we will tell you.

If we do find storm damage, we can document what is present with photos and a roofing scope so you have useful information when talking with your insurance company.

A roofing contractor can inspect, document, estimate, and explain roofing conditions. The insurance company decides coverage under the policy.

A good roofing company will help you understand the roof, document what is actually there, and give you honest options.

Realistic Example: How a Roof Replacement Notice Could Turn Into a Covered Storm Claim

Here is a realistic example of how this can play out.

A homeowner receives a notice from their insurance company saying the roof is too old and must be replaced before the next renewal.

The roof is almost 20 years old.

The homeowner assumes they are about to pay for the entire roof out of pocket.

They call for a retail roof replacement quote.

Before jumping straight to a retail quote, the address is checked for recent storm activity. The storm report shows that the home was in a hail-impacted area three months earlier.

A roof inspection is completed, and the roof has hail damage on multiple slopes. There are also dents to roof vents and other soft metals that line up with recent hail impact.

Because the home was insured on the date of the storm, the homeowner contacts their insurance company and opens a claim.

The insurance company inspects the roof and agrees that the roof had covered storm damage.

Instead of paying for the full roof replacement out of pocket, the homeowner is able to have the eligible storm damage covered under the policy.

The numbers may look like this:

Roof replacement cost: $20,000

Deductible: $3,000

Insurance-covered portion: about $17,000

Homeowner out-of-pocket: deductible, plus any upgrades or uncovered items

That homeowner still pays the deductible. That part matters.

But instead of being stuck with a $20,000 retail roof replacement, they may be able to replace the roof, maintain insurance coverage, and save around $17,000 because the roof was damaged by a covered storm while the policy was active.

This is why you should not assume the entire roof replacement is on you until the roof has been inspected and the recent storm history has been reviewed.

What If There Has Not Been a Recent Storm?

If there has not been a recent hail or wind event, or if the inspection does not show storm damage, then the next question is simpler:

Does the roof need to be replaced to keep the home properly insured?

Sometimes the answer is yes.

If the roof is truly at the end of its life, replacing it may be the best move. It can protect the home, help maintain insurance, improve curb appeal, and reduce the risk of leaks and interior damage.

That does not mean it has to be financially overwhelming.

Roof financing can help homeowners spread the cost over time instead of paying for the full roof replacement upfront.

This can be especially helpful if:

• your insurance company requires replacement,

• you need to maintain coverage for your mortgage,

• your roof is no longer insurable with your current carrier,

• you are trying to avoid ACV coverage,

• or you want to replace before the next major storm season.

Why This Matters If You Have a Mortgage

If your home is paid off, homeowners insurance is still extremely important, but technically it may be your choice.

If you have a mortgage, it is different.

Your lender will almost always require you to maintain homeowners insurance. If your current insurance company drops you and you do not replace the coverage, your mortgage company may step in and buy force-placed insurance.

That is usually not a good situation.

Force-placed insurance is typically designed to protect the lender’s interest, not necessarily to give you the best protection as the homeowner. It can also be expensive.

So when your insurance company sends a roof-related notice, it is not just a roofing issue.

It can become a mortgage, escrow, monthly payment, and home protection issue.

That is why the best move is to deal with it early.

Buying a Home? Roof Age Can Affect Insurance Approval

This issue also comes up when someone is buying a home.

A home may look great during the showing, but if the roof is older, the insurance company may want more information before issuing a policy.

Sometimes the buyer needs a roof age verification.

Sometimes the insurance company wants proof the roof was replaced.

Sometimes they want an inspection.

Sometimes they will offer coverage, but only with ACV roof coverage.

Sometimes they may refuse to cover the home until the roof is replaced.

If you are buying a home in Texas, especially in a hail-prone area, make roof age part of your due diligence.

Ask for:

• the roof replacement invoice,

• warranty paperwork,

• permit records if available,

• roof material information,

• and a professional roof inspection.

A home with an old roof is not automatically a bad purchase.

But you need to know what you are walking into before closing.

The last thing you want is to buy the house and immediately find out you need a new roof to keep insurance.

Can You Just Switch Insurance Companies?

Sometimes switching insurance companies helps.

One carrier may be stricter than another. One may decline the roof while another is willing to insure it. One may offer RCV coverage while another only offers ACV.

But switching carriers is not always a real solution.

If the roof is very old or visibly deteriorated, multiple carriers may have the same concern.

You may still run into:

• higher premiums,

• limited roof coverage,

• ACV roof coverage,

• roof exclusions,

• higher wind/hail deductibles,

• required repairs,

• or required replacement.

So yes, it may be worth talking to your agent or shopping coverage.

But do not use that as a reason to ignore the roof.

If the roof is truly worn out, eventually the issue will catch up with you.

Should You Replace the Roof Before Insurance Forces You To?

Sometimes it makes sense to be proactive.

If your roof is approaching 15 years old, you should start checking your policy more carefully.

If it is approaching 20+ years old, you should probably have a roof inspection and start planning.

That does not mean you need to replace a roof that is still performing well.

But it does mean you should know:

• how old the roof is,

• what condition it is in,

• whether it has storm damage,

• whether your policy is still RCV,

• whether your insurance company has added a roof schedule,

• whether your deductible has changed,

• whether you qualify for any roof upgrade discounts,

• and whether financing would make sense if replacement becomes necessary.

A proactive inspection can help you avoid getting blindsided.

If You Do Replace, Consider These 4 Roof Upgrades

If your roof does need to be replaced, that is the best time to think about upgrades.

You do not need every upgrade.

But there are a few that make a lot of sense for Texas homes.

1. Class 4 Impact-Resistant Roof Shingles for Houston Texas

Class 4 shingles are designed to perform better against impact than standard shingles.

They are not hail-proof. No shingle is invincible.

But in a place like Houston or Austin, where hail and severe storms are part of owning a home, impact-resistant shingles can be a smart upgrade.

Some insurance companies may offer discounts for qualifying impact-resistant shingles, but discounts vary by carrier and policy. Always ask your agent before assuming a discount applies.

2. Solar Attic Fans

Texas attics get extremely hot.

A solar attic fan can help move heat out of the attic without pulling electricity from the home. Better attic ventilation can support the roof system and may help significantly lower your electric bill.

This is especially worth considering when the roof is already being replaced because installation is easier during the roofing project.

3. Upgraded Hip and Ridge Caps

Ridge caps sit on some of the most exposed areas of the roof.

They take a lot of sun, wind, rain, and storm exposure.

Upgraded hip and ridge caps can improve durability and appearance in areas that are both visible and vulnerable.

4. Gutters and Gutter Guards

If your home has drainage problems, clogged gutters, missing gutters, or water dumping near the foundation, roof replacement is a good time to think about gutters and gutter guards.

Gutters help move water away from the home.

Gutter guards can help reduce clogs and maintenance.

Together, they can improve the way your roof and drainage system protect the house.

Roof Financing Options Can Help If Insurance Does Not Cover the Roof

Not every old roof has storm damage.

Not every insurance-required roof replacement turns into a covered claim.

Sometimes the roof simply needs to be replaced because it is old, worn, or no longer insurable.

That is where financing can help.

Instead of delaying replacement and risking insurance problems, leaks, or mortgage issues, a financing option may allow you to move forward with a monthly roof payment that fits your budget.

Financing can be useful for:

• full retail roof replacement,

• deductibles,

• roof upgrades,

• uncovered repairs,

• gutters,

• ventilation upgrades,

• or roofing and solar work together.

The goal is simple: keep your home protected, keep your insurance situation under control, and avoid putting off a necessary roof replacement just because the upfront cost feels too big.

What To Do If Your Insurance Company Says Your Roof Is Too Old

Here is the simple step-by-step version.

Step 1: Read the Notice Carefully

Look for the reason.

Does it say the roof is too old?

Does it say the roof is in poor condition?

Does it mention nonrenewal?

Does it mention ACV coverage?

Does it ask for proof of replacement?

Does it give you a deadline?

Do not just skim it. The details matter.

Step 2: Check Your Current Roof Coverage

Find out whether your roof is covered at RCV or ACV.

Ask your agent:

“If hail damaged my roof tomorrow, how would my roof claim be paid?”

That question is more useful than asking, “Am I covered?”

Step 3: Check for Recent Hail or Wind

If your home has had hail or wind in the last 12 months, get the roof inspected before assuming you have to pay retail.

You may still be eligible to have storm damage reviewed under the policy that was active on the date of the storm.

Step 4: Get a Professional Roof Inspection

A good inspection should tell you whether the roof appears to have:

• storm damage,

• age-related wear,

• repairable issues,

• active leaks,

• missing shingles,

• ventilation problems,

• or signs that replacement is needed.

Step 5: Decide Your Best Path

From there, your options may include:

• making small repairs,

• sending proof of repair to insurance,

• replacing the roof retail,

• using financing,

• opening a storm damage claim if there is covered damage,

• upgrading to better shingles or ventilation,

• or shopping insurance carriers with better roof terms.

The best path depends on your roof, your policy, your storm history, and your timeline.

The Biggest Mistake: Waiting Until After the Next Storm

The worst time to learn that your roof changed to ACV is after a hailstorm.

By then, you may already be stuck with the lower payout.

If your roof is getting older, now is the time to look at your coverage.

Do not wait until:

• your carrier sends a nonrenewal letter,

• your roof coverage changes without you realizing it,

• hail damages the roof,

• your claim payment is much lower than expected,

• your mortgage company gets involved,

• you try to sell the home,

• or you find out a buyer cannot get insurance because of the roof.

The roof is one of the biggest factors insurance companies look at on a home.

It is also one of the most expensive things to replace.

That makes it worth checking before there is a crisis.

Final Thoughts: Your Roof May Be Covered Differently Than You Think

A lot of homeowners think they are protected because their home insurance policy renewed.

But the better question is:

How is the roof covered?

And if your insurance company says your roof is too old or must be replaced, do not assume you have only one option.

Start with the basics:

• check your coverage,

• check your roof age,

• check recent storm history,

• get a roof inspection,

• understand whether there is storm damage,

• and explore retail or financing options if replacement is needed.

If you recently received a roof replacement notice, are worried your roof is too old for insurance, or are unsure whether your roof coverage changed from RCV to ACV, schedule a free roof inspection with Martin Roofing & Solar.

We can inspect the roof, review recent storm history, document what is actually going on, and help you understand your options.

Houston: 832-617-4037

Austin: 512-298-2944

FAQ: Insurance Requiring Roof Replacement in Texas

Can my insurance company make me replace my roof in Texas?

Your insurance company can make roof condition a requirement for coverage. They may refuse to renew your policy, reduce roof coverage, switch the roof to ACV, or require proof of replacement if the roof is too old or in poor condition.

Can insurance drop me because my roof is old?

Yes, an insurance company may choose not to renew or may limit coverage if the roof is old, worn, or considered too risky. This is becoming more common for older roofs, especially roofs approaching 20+ years old.

What does it mean if my roof coverage changed to ACV?

ACV means Actual Cash Value. It means depreciation is applied based on roof age and condition. If your roof is older, the insurance payout after a covered storm may be much lower than the cost of replacing the roof.

What does RCV mean on roof insurance?

RCV means Replacement Cost Value. It usually means the insurance payment is based on the current cost to replace the damaged roof with comparable materials, minus your deductible and subject to the policy terms.

Is ACV roof coverage bad?

ACV roof coverage is not automatically “bad,” but it can create much higher out-of-pocket costs after storm damage. A homeowner with ACV coverage may receive thousands less than a homeowner with RCV coverage for the same roof.

Can my roof change from RCV to ACV when my policy renews?

Yes. Some insurance companies switch older roofs from Replacement Cost Value to Actual Cash Value at renewal. This can happen without the homeowner fully realizing the financial impact.

At what age does roof insurance become a problem?

It depends on the carrier and policy, but homeowners should start paying closer attention around 15 years. Some carriers become more restrictive as roofs approach 20+ years old.

Will insurance pay for a new roof just because it is old?

Usually no. Home insurance generally covers sudden covered damage, not normal aging or wear and tear. If the roof is simply old and worn out, replacement may be a retail project.

What if my insurance company says I need a new roof but I had hail recently?

If your home was hit by hail or wind while your policy was active, and you are still within your policy’s claim deadline, you may be able to have the roof inspected for storm damage and discuss a claim with your insurance company.

Can I file a roof claim after getting a nonrenewal notice?

Possibly. If the storm damage happened while the policy was active and you are still within the claim reporting deadline, a nonrenewal notice does not automatically mean the prior storm damage is not covered.

How long do I have to file a roof claim in Texas?

Many Texas roof policies have deadlines around 12 months from the date of damage, but the exact deadline depends on your policy. Always check your policy and act quickly after a storm.

Can a roofer file my insurance claim for me?

A roofer can inspect the roof, document damage, provide photos, prepare an estimate, and explain roofing conditions. The homeowner contacts the insurance company and the insurance company decides coverage.

Can a roofer waive my deductible in Texas?

No. Contractors cannot legally waive, rebate, absorb, or hide a property insurance deductible in Texas. Homeowners should be cautious of any contractor promising a “free roof.”

What should I do if I cannot afford the roof replacement?

If insurance does not cover the roof replacement, financing may help. Roof financing can allow homeowners to replace the roof with a monthly payment instead of paying the full amount upfront.

Can I switch insurance companies instead of replacing the roof?

Sometimes another carrier may offer coverage, but if the roof is very old or in poor condition, switching may only delay the issue. Some carriers may still require replacement or only offer ACV coverage.

Do I need a roof inspection if my insurance company says the roof is too old?

Yes. A professional roof inspection can help determine whether the roof is simply old, whether it has repairable issues, or whether recent storm damage may be present.

Can a new roof help me keep homeowners insurance?

Yes. If the roof age or condition is the issue, replacing the roof can help satisfy insurance requirements and may make the home easier to insure.

Can a new roof lower my insurance premium?

It may, depending on the carrier, roof material, location, and policy. Some carriers may offer significant discounts for newer roofs or qualifying impact-resistant shingles, but discounts are not guaranteed.

Are Class 4 shingles worth it in Texas?

Class 4 impact-resistant shingles may be worth considering in hail-prone areas. They are not hail-proof, but they are designed to perform better against impact than standard shingles. Some insurance carriers may offer large discounts for new qualifying Class 4 shingles.

What paperwork should I keep after replacing my roof?

Keep your final invoice, warranty documents, material details, paid receipt, photos, permit records if applicable, and any insurance forms related to roof age, Class 4 shingles, or proof of replacement.

Houston:

832-617-4037

Austin:

512-298-2944