How Much Does a New Roof Cost in Texas in 2026

The best sourced number is national: $31,871 for an asphalt-shingle roof replacement, averaged across the 119 markets of the Remodeling 2025 Cost vs. Value Report. Texas roofers earned a mean $22.69 an hour in May 2025, below the $27.95 U.S. mean. In the first-tier coastal counties, a reroofed home needs a TDI windstorm certificate to be insured by TWIA.

A national benchmark and a Texas wage

The Remodeling 2025 Cost vs. Value Report (www.costvsvalue.com) is quoted here only at the national level. Its national average for the defined asphalt-shingle roof replacement project was $31,871, and resale recovered 68% of that. The national metal-roof project averaged $51,865, with 50% recovered.

In the Bureau of Labor Statistics’ May 2025 survey of roofers on Texas payrolls (self-employed excluded), mean pay was $22.69 an hour, or $47,200 a year, and the median was $22.13. Nationally the mean was $27.95 and the median $26.65. It is a wage, not a job price.

Roofing is missing from the state licensing list

Roofing is not among the regulated industries listed by the Texas Department of Licensing and Regulation. In 2025 the Legislature considered House Bill 3344, “Relating to the regulation and licensing of reroofing contractors.” Its last recorded action is “05/08/2025 H Committee report sent to Calendars.”

Insurance money: the deductible notice and what the roofer may not do

The deductible is yours to pay:

• Insurance Code §707.002 (2019, H.B. 2102): “A person insured under a property insurance policy shall pay any deductible applicable to a first-party claim made under the policy.”
• Insurance Code §707.004: an insurer with replacement cost coverage may hold back recoverable depreciation until it gets “reasonable proof of payment” of that deductible.

Business & Commerce Code §27.02 turns that duty into contract terms. Any contract of $1,000 or more expected to be paid from a property claim must print a set notice in at least 12-point bold type. It is also a Class B misdemeanor for the seller to pay, waive, absorb or rebate your deductible, or “in any other manner” help you avoid paying it, “without the insurer’s consent.”

Insurance Code §4102.163 adds that a contractor “may not act as a public adjuster or advertise to adjust claims” on a property it is or may be working on. An adjuster license or a power of attorney does not change that.

Cancellation and payment rules that reach roofing sales

Door-to-door sales. Chapter 601 of the Business & Commerce Code applies when the seller solicits you away from its place of business, you agree there, and the price exceeds $25. You “may cancel a consumer transaction not later than midnight of the third business day after the date the consumer signs.” The seller must refund your payments before the end of the 10th business day after it receives a valid cancellation. Section 601.002(b) lists what the chapter excludes:

• farm equipment;
• insurance sales regulated by TDI;
• sales under a preexisting revolving charge account;
• sales made after negotiations at a fixed business location;
• certain real property sales.

After a declared disaster. Chapter 58 applies to repair work caused by a disaster that the governor or a county judge has declared. The contractor “may not require a person to make a full or partial payment under a contract before the contractor begins work,” and partial payments must stay “reasonably proportionate to the work performed.” The rule does not apply to a contractor that has kept a physical business address for at least one year in your county or a neighboring one.

Building code: the 2012 IRC inside city limits

Local Government Code §214.212 adopts “the International Residential Code, as it existed on May 1, 2012” as the municipal residential code. It applies to “construction, alteration, remodeling, enlargement, and repair of residential structures in a municipality.” A city may amend the code only after a public hearing and by ordinance, and it may consider later ICC editions. Outside city limits, the opt-in county code in Chapter 233 reaches only “new residential construction” (a house or duplex on a vacant lot, or an addition of more than 50%), not a reroof.

Coastal counties: the WPI-8 certificate

Insurance Code §2210.258 applies in the catastrophe area. That is the 14 first-tier coastal counties plus the parts of Harris County east of State Highway 146. There, repair work must meet the building code in TWIA’s plan of operation, and TWIA “may not insure” the structure until a certificate of compliance is issued. The statute has two exceptions:

• a home dropped by a private insurer, if no work was done after that cancellation or nonrenewal. It is insurable with a surcharge.
• temporary TWIA coverage of up to 30 days, while the owner seeks the certificate.

You must file notice with TDI before work starts (§2210.2515(b)). According to TDI’s inspection guide (updated May 8, 2026), “Most new construction, roof replacements, major repairs, and other alterations require an inspection,” but “Roof repairs of less than 100 square feet that don’t involve decking” do not. A WPI-8 is issued when the work is inspected while it is underway, and a WPI-8-E when an engineer certifies it after completion. TDI’s repair page advises: “Don’t make your final payment until the contractor finishes all work and a Certificate of Compliance, Form WPI-8, is issued.”

Discounts, sales tax and grant money

Discounts. For impact-resistant roofing, TDI’s discount page (as of February 24, 2023) says the discount “is established by the insurance company on a company-by-company basis.” TWIA gives its own credit for UL 2218 roofing documented on form PC068. TDI Bulletin B-0008-26 (September 16, 2026) “encourages” insurers to build discounts for FORTIFIED and impact-resistant roofs.

Sales tax. According to Comptroller Publication 94-116, “Labor to repair, remodel, or restore residential real property is not taxable.” On a lump-sum contract, the roofer pays tax on materials when buying them and does not charge you tax. On a separated contract, the roofer collects sales tax from you on the materials charge, not the labor (34 TAC §3.291).

Grants. On September 16, 2026, the Governor’s office described a “Texas Roof Fortification Program” as a proposal “for the next session.” It is not enacted or open.

Texas roof questions

How do I verify a Texas roofer?

Roofing is not on TDLR’s list of regulated trades, so there is no TDLR number to look up. Inside a city, ask for the permit. On the coast, check the WPI-8 in TDI’s windstorm certificate search.

After a hurricane, can a roofer demand money up front?

Not once a disaster has been declared, unless the roofer has kept a business address in your county or an adjacent one for at least a year (B&C ch. 58).

A roofer offered to “cover” my deductible. Is that legal?

No, not without your insurer’s consent. B&C §27.02 makes it a Class B misdemeanor.

Related reading: national replacement costs, asphalt shingles, roof inspections, Oklahoma roof costs.

© 2025 Zonda Media, a Delaware Corporation. Complete data from the Remodeling 2025 Cost vs. Value Report can be downloaded free at www.costvsvalue.com.