Texas Roofing & Storm Restoration Contractors Insurance
Underwriting brief for Texas roofing contractors (2,282 active Texas establishments across 80 counties). We compare 30+ TDI-admitted and specialty commercial carriers for roofing contractors with fast Certificate of Insurance (COI) turnaround.
Texas Roofing Contractors Market Footprint
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Classification & Compliance Specs
- NAICS Code
- 238160 — Roofing Contractors
- NCCI Workers' Comp Codes
- 5551 (Roofing — All Kinds), 5606 (Contractor Executive Supervisor)
- ISO GL / Coverage Form
- 98677 (Roofing — Commercial), 98678 (Roofing — Residential)
- Texas Regulator / Spec
- Texas Voluntary Roofing Standards & Municipal Registration (RCAT)
Texas does not issue a statewide roofing license, but Houston, Dallas, Fort Worth, Austin, and coastal cities require municipal registration, GL COIs, and permit bonds. Tex. Ins. Code §707 prohibits deductible rebating.
Where Roofing Contractors Cluster in Texas
- Harris: 295 firms (12.9% of TX) • 2,605 employees
- Tarrant: 264 firms (11.6% of TX) • 1,884 employees
- Dallas: 227 firms (9.9% of TX) • 2,465 employees
Primary Loss Exposures
- Sudden Texas hail/thunderstorms penetrating an open tear-off deck before dry-in.
- Torch-down modified bitumen fires on commercial flat roofs and parapet walls.
- Strict sub-contractor uninsured-sub exclusions when using 1099 shingle crews.
Key Endorsements We Verify
- Open-Roof / Water Damage buyback (many standard surplus GL forms exclude rain on open roofs)
- Subcontractor Warranty & Blanket Additional Insured without height exclusions
- Commercial Excess Umbrella ($2M–$5M) for multi-family HOA and retail strip center roofs
Roofing Contractors Insurance FAQs
Why is Texas roofing GL more expensive than other trades?
Texas leads the nation in convective hail/windstorm tear-offs, and surplus carriers price open-roof rain intrusion, torch-down fire, and 1099 crew liability heavily.
What happens if my 1099 roofing crew doesn't have their own GL?
Most roofing GL policies contain an 'Uninsured Subcontractor' exclusion or audit surcharge—your policy may deny a claim unless every sub carries equal limits and names you as Additional Insured.
Does roofing GL cover a roof leak two years after installation?
Yes, Completed Operations covers resulting interior damage from faulty flashing or valleys, provided your policy doesn't carry a restrictive Prior Work or Roofing Limitation.
Can I get Workers' Comp for a small Texas roofing crew?
Yes—Texas Mutual and specialty WC carriers write NCCI 5551 with strict fall-protection and safety-harness compliance.