Texas Roofing and Insurance Rules Every Dallas Roofer Should Know
Hail season fills a Dallas roofer's calendar, and it also brings the most rules. Texas law limits what a roofer can offer, what has to be in the contract and what can be said in an ad. The roofers who win long term follow the rules and market the work instead of the claim. Here is what the state and the City of Dallas say, in plain English.
| Rule | What it says | Source |
|---|---|---|
| Deductible | Offering to waive, rebate or absorb a policyholder's deductible is prohibited | Tex. Bus. & Com. Code 27.02 |
| Contract notice | Contracts of $1,000 or more involving an insurance settlement must state the policyholder pays the deductible | Tex. Bus. & Com. Code 27.02 |
| Proof of payment | The policyholder must pay the deductible, and insurers can ask for proof | Tex. Ins. Code ch. 707 |
| Public adjusting | A contractor on the property cannot act as a public adjuster or advertise to adjust claims | Tex. Ins. Code 4102.163 |
| Advertising | The definition of advertisement includes a website | 28 Tex. Admin. Code 21.102(1) |
| Dallas permit | Replacing large areas or an entire roof needs a reroof permit; minor repairs do not | City of Dallas |
The deductible rule
The Texas Department of Insurance is direct about it: a contractor cannot offer to waive, rebate or absorb a policyholder's deductible. That includes "we'll cover your deductible", hidden discounts that cancel the deductible, and "free roof" promotions on insured jobs. The homeowner pays the deductible, and the insurer can ask for proof that it was paid.
What the contract must say
For contracts of $1,000 or more that involve an insurance settlement, Texas requires a notice that the policyholder must pay the deductible. Put the notice in plain view in your standard insurance job contract, and train your sales team to explain it before the homeowner signs.
Your ads and your website
Texas does not allow a roofer to act as a public insurance adjuster. That also covers advertising: you cannot advertise to adjust or negotiate claims, and the state's definition of advertising includes websites. TDI gives examples of language and conduct that cross the line:
- Offering to negotiate the claim settlement or file the claim for the homeowner.
- Promising to recover every dollar the homeowner is owed from the insurer.
- Advertising to help homeowners avoid "incorrect settlement pricing".
- Telling the insurer or anyone else that you represent the homeowner on coverage.
Review your landing pages, door hangers, scripts and ad copy for these phrases, especially pages built quickly after a storm.
Dallas permits for roof replacement
The City of Dallas says replacing large areas of a roof or an entire roof requires a reroof permit, while minor repairs to roofing or roof vents do not. A roofing permit for shingle and deck damage can be obtained online or over the counter, and storm damage to joists or rafters needs a building permit. Other cities in the metroplex set their own rules, so confirm with the city for each address.
Market the work, not the claim
The rules push good roofers toward better marketing. Instead of promising anything about the claim, show what only a real crew can show:
| Instead of | Show this |
|---|---|
| "We cover your deductible" | Warranty terms, materials and a clear written price |
| "We handle your insurance claim" | How your inspection works and what the homeowner receives |
| "We fight your insurer" | Before and after video from real Dallas jobs |
| Stock photos of roofs | Your crew, your trucks, your permit on the job |
| Pressure to sign today | Reviews, years in business and how to reach the owner |
Short job videos work across all of it: your website, your Google Business Profile, and ads. See Dallas roofing video marketing and contractor testimonial videos.
Where to report and ask questions
TDI asks people to report deductible and public adjusting violations to the Texas Attorney General at 800-621-0508. Questions about insurance can go to TDI at 800-252-3439.
Video narration
Read what the video says
Dallas roofers, hail season brings the jobs. It also brings the rules.
In Texas, you can't offer to waive, rebate, or cover a homeowner's insurance deductible. Period.
And if the contract is a thousand dollars or more and insurance is involved, it needs a notice saying the homeowner pays the deductible.
Now, watch your ads.
You can't act as a public adjuster, or advertise that you'll negotiate the claim. That includes your website. And in Dallas, a full roof replacement needs a reroof permit.
So market the work, not the claim. Full guide at Picture Perfect Video dot com.
Common questions
Can a roofer pay my deductible in Texas?
No. Texas law prohibits a contractor from offering to waive, rebate or absorb a policyholder's insurance deductible, and the homeowner must pay it.
What must a Texas roofing contract include for insurance work?
Contracts of $1,000 or more that involve an insurance settlement must include a notice that the policyholder must pay the deductible.
Can a roofer negotiate my insurance claim in Texas?
No. A contractor who provides services on the property cannot act as a public adjuster or advertise to adjust or negotiate claims, and that includes advertising on a website.
Do I need a permit to replace a roof in Dallas?
Yes. The City of Dallas says replacing large areas of a roof or an entire roof requires a reroof permit. Minor repairs to roofing or roof vents do not.
How should roofers market after a hail storm in Texas?
Market the work, not the claim: show real crews, before and after video, warranties, reviews and permits, and avoid any promise about deductibles or claim settlements.
Market the work, not the claim.
We film your crews on real Dallas jobs and turn it into storm season ads, landing pages and Google profile videos that stay within the rules.
Book a free callOr email charles@pictureperfectvideo.com · call or text 945-212-2522
Related reading
Sources checked October 19, 2026: Texas Department of Insurance: roofing and insurance, know the law; City of Dallas: single family storm repair permits. This is general information, not legal advice. Ask your attorney about your contracts and ads.