John 3:16

I believe the unbelievable, I receive the impossible, because it's doable. Jesse Duplantis

Two-story brick home with a hip shingle roof on a curving street with young trees

Roofing Questions, Answered for DFW

Short, sourced answers to what North Texas homeowners ask about roofs, storms, insurance and the free line. Each answer links to the page that goes deeper.

About the free line

Is there a charge to call?

No, and the line never bills you. The roofing company you are connected with prices its own work. Many roofers look at a roof without charging, but ask on the call.

What hours can I call?

Day or night, all week. The automated assistant transfers you, and a roofer who misses the transfer gets your details to return the call.

Which towns are covered?

Dallas, Fort Worth and the suburbs and county seats across ten counties. See every DFW town.

Phone, notepad and coffee cup on a desk by a window looking out at a neighbor's house

Insurance and storm claims

Does homeowners insurance cover hail damage in Texas?

Most homeowners policies cover hail and wind, subject to a deductible and to how the policy values the roof (replacement cost or actual cash value). Some policies limit cosmetic damage or older roofs. Only your policy and your insurer can say what yours covers. How roof claims work in Texas.

Can the roofer handle my claim for me?

No. A roofer may document damage and walk the adjuster through it. Negotiating the claim is another matter: Texas keeps that for licensed public adjusters and forbids contractors from adjusting claims on homes they repair. The claim stays yours, unless you hire a public adjuster.

Will a hail claim raise my premium?

It can, depending on your insurer and your claims history. Ask your agent before filing, especially if the damage is close to your deductible.

Your deductible is yours to pay. The Texas Department of Insurance warns that a contractor may not waive your deductible, rebate it, or pad the estimate to cover it, and that a contract of $1,000 or more paid with insurance money must include a notice that you owe the deductible. Your insurer may ask for proof you paid it. A contractor also may not act as a public adjuster on a property it works on or may work on. If a roofer offers to "take care of" the deductible, hire someone else.

Timing and the work itself

Do roofers work in the winter?

Yes. North Texas winters are mostly mild, so re-roofs go on through the cold months. Shingles seal best in warmth, so crews avoid freezing days and ice, and some hand-seal shingles in cold weather. Ask what the crew does differently on a cold day.

How late do roofers work?

Most crews start early to beat the heat and finish in the afternoon. Many cities limit construction noise to set hours, and those hours differ from town to town. Ask the roofer when the crew will arrive and leave.

How often is a roof replaced around here?

It depends on the material and the storms. Asphalt shingle roofs in North Texas often need replacing sooner than the label suggests because of hail and heat. See how long a roof lasts in North Texas.

Does a re-roof need a city permit here?

In many DFW cities, yes. Dallas and Plano, for example, require a permit for a re-roof. Rules differ by city, and each town page notes what that city's own site says.

Hiring a roofer

Homeowner reading a printed roofing contract at a kitchen table beside a coffee mug

Do roofers need a license in Texas?

Texas has never created a state roofing license. A 2025 bill to create one died without a House floor vote. Some cities register contractors, and manufacturers run their own installer programs. What to check instead.

When should I pay the roofer?

Keep the bulk of the money until the work is done. A materials deposit is normal; the last check waits for a finished, cleaned-up job, the invoice, any city sign-off, and the warranty paperwork.

What if a roofer knocks on my door after a storm?

You do not have to let anyone on your roof or sign anything. Ask for a local address, proof of insurance and a written estimate, and compare it with others.

Not sure if this is a small repair, an insurance claim or the end of the roof? Call and describe it in your own words. The DFW roofing company you are connected with sees the roof in person and puts its estimate in writing before anyone starts work.

Call (469) 649-7066

About this line: DFW Expert Roofers is a free phone line, not a roofing contractor. It answers your call and connects you with an independent local roofing company, which inspects, quotes and does the work, and which you pay directly. Companies may pay a referral fee. Calling the line costs you nothing. See how a call is handled.

The five questions asked most

Will roofing companies pay your deductible?

A legitimate one will not. State law bars contractors from paying, waiving or rebating a homeowner's insurance deductible, or padding an estimate to cover it, and the Texas Department of Insurance tells consumers to hire someone else if a contractor offers. Your insurer may also ask for proof that you paid it. The Texas roof insurance claim guide explains how deductibles work here.

Can I get my roof replaced for free?

Rarely in any real sense. If a covered storm damaged the roof, your homeowners policy may pay part of a replacement, but you still owe the deductible, which in Texas is often a percentage of the home's insured value. Anyone advertising a "free roof" is usually hinting at an illegal deductible waiver. Ask your insurer what your policy covers and how the roof is valued.

Will roofing companies finance a new roof?

Some do, usually through a third-party lender, and terms vary widely. Ask for the interest rate, term, total cost and any fees in writing, and compare them with a loan from your own bank or credit union. Never sign a finance agreement on the spot. The DFW roof replacement cost guide covers what drives the price itself.

When is roofing season in Dallas-Fort Worth?

Roofers work here all year, since winters are mostly mild. Demand peaks after spring hail, roughly March through June, when schedules fill up quickly. Late summer and fall are often easier times to book planned replacements. Very hot afternoons and freezing mornings can shorten workdays, and nobody should be on a roof in lightning or ice.

Is DFW Expert Roofers the company that will fix my roof?

No. It only answers and transfers calls, at no cost to you, to an independent DFW roofer that is locally owned. That roofer inspects, prices, repairs and bills. Roofers can owe the line a fee for each referral. See how the line works.

Need a roofer in Dallas-Fort Worth? Start with one free call

Say what the roof is doing and which town you are in. The automated assistant passes you to an independent roofing company that is locally owned and works in DFW. That company comes out, looks at the roof and prices the job itself.

Call (469) 649-7066

  • Picks up day or nightStorms here often hit in the evening. The assistant answers at 2 a.m. the same as at noon.
  • Costs you nothingThe line sends no bill. Any price you hear comes from the roofer, and you can ask for it on paper.
  • Check before you hireTexas issues no roofing license, so ask for an insurance certificate, a written contract and the permit your city requires.
  • Your call to makeListen to what the roofer found, read the estimate, and say yes only when it adds up.