The Texas rules on storm roofing
| Rule | What it says (per TDI) |
|---|---|
| No deductible waivers | "It's also illegal in Texas for a contractor to offer to waive, rebate, or absorb a property policyholder's deductible" (Bus. & Com. Code 27.02) |
| Penalty | "up to a $2,000 fine and up to six months in jail" (TDI on HB 2102, 2019) |
| Contract notice | Contracts of $1,000 or more involving an insurance settlement must include a notice that the policyholder must pay the deductible |
| You pay the deductible | Insurance Code chapter 707; insurers may request proof of payment |
| No roofer-adjusters | Insurance Code 4102.163 bars acting as a public adjuster, or advertising to adjust claims, if you provide or may provide contracting services on the property; a website counts as advertising (28 TAC 21.102(1)) |
| Report violations | Texas Attorney General, 800-621-0508 |
Sources: TDI's Roofing and insurance: Know the law and roof scams law. TDI's after-hail checklist adds: file the claim as soon as you can, don't pay in full up front, hold the final payment until the work is done, and never sign a contract with blank spaces.
Because your insurer can ask for proof you paid the deductible, a "we'll cover it" offer is a risk to your claim as well as the roofer's problem.
The Tyler permit
The City's Schedule of Fees lists "Roof Replacement (Residential)" at $100.00. The roofer applies in eTRAKiT, where you can search your address and confirm the contractor on the permit. Details on the checklist, permit life and final are in Tyler roofing permit.
What it means when you hire after a storm
- Get the estimate, not the claim service. A roofer may inspect and price the roof; it may not negotiate your claim. A contract that assigns claim handling to the roofer is a red flag under 4102.163.
- Read the deductible line. A contract over $1,000 tied to an insurance settlement should carry the deductible notice. "Deductible covered", "bonus" or "credit" language is the illegal part.
- Check the permit before the tear-off. Search the address in eTRAKiT; no permit, or a permit in another firm's name, means stop.
- Look at the firm's record. Texas has no state roofing license (Tyler roofing permit), so the permit history is the record; our list shows each firm's count and finals.
- Pay in stages. TDI's advice is no full payment up front and the last payment only after the work is done.
What 2,980 Tyler roofing permits show
| Measure | Tyler roofing |
|---|---|
| Permits, October 2023 to September 2026 | 2,980 |
| Firms / active in the last 12 months | 218 / 84 |
| Usual filed value | $19,054 |
| Middle half of firms' usual value | $13,000 to $21,232 |
| Share held by the busiest firm / five busiest | 17.7% / 54.8% |
| Busiest firm, last 12 months | Stonewater Roofing (78) |
| Firms with 5+ permits and none in the last 12 months | 29 |
| Firms with exactly one permit | 98 (45.0%) |
| Passed final (a year or more old) | 22.9% |
| Busiest / quietest month | March (234) / January (29) |
Tyler roofing is seasonal and storm-driven: March runs at index 234 against 29 in January. 29 firms filed five or more permits and then none in the last 12 months, and 45.0% filed only one; a roofer who arrived after the last storm may not be here for the warranty call. Only 22.9% of Tyler roofing permits show a passed final, so a missing final is common here and does not by itself mean bad work; ask the roofer to call for the final and send you the result. Prices by firm: Tyler roofing cost; counts by year: Tyler permit statistics.
See every Tyler roofer by permits filed and finals →
Related
Choosing a roofer: hiring a roofer and roofer didn't finish the job. Scams: home improvement scams. Prices nationally: roof replacement cost. Compare firms: Tyler roofers.
What this does not tell you
Permits do not show which jobs were insurance claims or which storm caused them. Filed values are the roofer's estimate. This is not legal advice; TDI and the Attorney General enforce these rules.
How we know this
The deductible, adjuster and contract-notice rules and statute citations are from TDI's "Roofing and insurance: Know the law" page (updated 24 March 2025) and its 2019 article on HB 2102; the post-hail advice from TDI's hail tips page (updated 9 December 2025); the permit fee from the City of Tyler's Schedule of Fees; all read 23 October 2026. Permit counts are City of Tyler building permits classified as roofing, October 2023 to September 2026; final share uses permits a year or more old.
Numbers come from City of Tyler TRAKiT building, mechanical, electrical and plumbing permits on homes, from three city GIS exports of the permit table, data through October 9, 2026. Nobody paid to be on this page and nobody can.
Questions
- Can a roofer pay my deductible in Texas?
No. Business and Commerce Code 27.02 prohibits a contractor from waiving, rebating or absorbing a property policyholder's deductible, and TDI says violators could face up to a $2,000 fine and up to six months in jail. Contracts of $1,000 or more involving an insurance settlement must carry a notice that you owe the deductible.
- Can a roofer talk to my insurance company for me in Texas?
A roofer doing the work may not act as your public adjuster or advertise to adjust claims: Insurance Code 4102.163 prohibits it for anyone who provides or may provide contracting services on the property (TDI). The roofer can give you an estimate; you or a licensed public adjuster handle the claim.
- Do I need a permit to replace a hail-damaged roof in Tyler?
Yes. The City of Tyler's Schedule of Fees lists Roof Replacement (Residential) at $100. The roofer files it in eTRAKiT; check that the permit is in your roofer's name before work starts.
- When do Tyler roofers get busiest?
March. Tyler roofing permits run at index 234 in March and 29 in January (100 = an average month), so after a spring storm the queue is longest.
- How much does a roof replacement cost in Tyler, TX?
The usual Tyler roofing permit was filed at $19,054; the middle half of roofers usually file between $13,000 and $21,232 (2,980 permits, October 2023 to September 2026).
Build your own list
Every firm with that kind of permit on record. Pick what you value. The list moves.
Related guides
- Hail roof replacement in Colorado Springs: Colorado's roofing contract law, the deductible ban, and the PPRBD permit
- Hail roof replacement in Denton, TX: the deductible law, City-registered roofers, and the reroof permit
- Home improvement scams: the five common kinds, how to avoid them, and what to do if it happens
- Open permits when selling a house: what they mean and how to close one
For one city
- Roofing and insurance: Know the law — Texas Department of Insurance (updated 2025-03-24, accessed 2026-10-23)
- New state law cracks down on roof scams — Texas Department of Insurance (2019-08-07, accessed 2026-10-23)
- Hail damage to your home or car? What to do next — Texas Department of Insurance (updated 2025-12-09, accessed 2026-10-23)
- Schedule of Fees — City of Tyler Development Services (accessed 2026-10-23)
- City of Tyler eTRAKiT (2026-10-23)