How Much Does Roofing Insurance Cost in Texas?
- May 18
- 6 min read
Running a roofing business in Texas is a different animal than almost anywhere else in the country. One week you're installing a new roof in the blazing heat of Dallas, and the next you're responding to a hailstorm in San Antonio or wind damage along the Gulf Coast. The work is constant—but so are the risks.
That’s why understanding roofing contractor insurance in Texas is critical before you scale your crews or start chasing storm work. At Wexford Insurance,, we’ve worked with roofing contractors across Texas, and one of the first questions we always hear is: how much does roofing insurance actually cost?
The answer depends on several Texas-specific factors—but we’ll break that down clearly so you can make informed decisions for your business.
Average Cost of Roofing Contractor Insurance in Texas
Roofing is one of the highest-risk construction trades, which is why insurance premiums tend to run higher than for most contractors. Most Texas roofing companies carry a combination of policies for full protection.
Below are realistic estimated cost ranges based on our experience working with roofing contractors across the state.
General liability insurance protects your business from third-party claims involving property damage, bodily injury, and completed operations issues like post-installation leaks.
Monthly Cost: $140 – $390
Annual Cost: $1,700 – $4,700
Typical Limits: $1M per occurrence / $2M aggregate
At Wexford Insurance, the most common liability claims we see from Texas roofers aren’t dramatic accidents—they’re slow-developing water intrusion issues after storms.
Nate Jones, CPCU, ARM, CLCS, AU, explains:
“In my experience as a former underwriting manager, completed operations claims—especially leaks after hail events—are the biggest long-term loss driver for roofing contractors.”
Texas is unique because workers’ compensation insurance is not required for most private employers. However, many roofing contractors still carry it.
Estimated Rate: $3.25 – $7.50 per $100 payroll
Monthly Cost: $275 – $850+
Why carry coverage if it’s optional? Because Texas allows employees to sue employers directly if you don’t have workers’ comp protection. That’s a major exposure.
At Wexford Insurance, we’ve helped several roofing contractors who originally opted out and later switched back after realizing how much personal liability they were taking on.
If you own a shop, storage yard, or office, commercial property insurance protects your building and materials.
Monthly Cost: $95 – $300
Annual Cost: $1,100 – $3,600
This is particularly important in regions like Houston or Corpus Christi, where wind and storm exposure is higher.
A Business Owner’s Policy bundles general liability and property coverage at a lower combined cost.
Monthly Cost: $280 – $700
Annual Cost: $3,400 – $8,400
Most small to mid-sized roofing contractors in Texas qualify for a BOP, and it’s usually the most efficient way to structure your coverage.
Roofers rely heavily on mobile tools and equipment that are frequently transported between job sites.
Annual Cost: $300 – $1,700
At Wexford Insurance, one of the most common claims we see in Texas is equipment theft from trailers—especially after major storm events when job sites are busy and unsecured.
What Factors Affect Roofing Insurance Costs in Texas?
Insurance pricing for roofing contractors varies widely, especially in a state as large and diverse as Texas. Here’s what drives your costs.
1. Weather Risks in Texas
Texas leads the country in hail damage claims. Cities like Dallas–Fort Worth are considered one of the most hail-prone regions in the U.S. Coastal areas like Galveston face hurricane and windstorm exposure. These risks directly increase premiums.
2. Location Within Texas
Roofing in Austin or Dallas may cost less than operating in Houston or along the Gulf Coast due to windstorm exposure. The Texas Windstorm Insurance Association (TWIA) may also come into play for coastal properties.
3. Business Size and Revenue
Larger roofing companies handling commercial projects or multi-family housing have higher exposure and higher premiums.
4. Number of Employees
If you choose to carry workers’ comp, your payroll size heavily influences your premium. Roofing is one of the highest-rated classifications due to fall risks.
5. Claims History
Prior claims—especially related to storm damage or leaks—signal higher risk to insurers. Clean records result in better pricing.
6. Litigation Risks in Texas
Texas has seen increased litigation tied to storm-related roofing claims and insurance disputes. This environment affects carrier pricing and underwriting standards.
Texas-Specific Insurance Requirements for Roofing Contractors
Texas has one of the most unique regulatory environments in the country for contractors.
Workers’ Compensation Laws in Texas
Texas is the only state where workers’ compensation is optional for most private employers.
Regulated by the Texas Department of Insurance
Employers who opt out are called “non-subscribers”
Non-subscribers lose certain legal protections and face greater lawsuit exposure
Learn more: https://www.tdi.texas.gov/
No Statewide Roofing License
Texas does not require a statewide roofing contractor license, but:
Cities like Austin and Houston may require contractor registration
Certain commercial projects require proof of insurance and bonding
General contractors often require certificates of insurance before awarding jobs
At Wexford Insurance, we’ve helped roofing companies expand into new Texas markets by ensuring they meet all local requirements.
OSHA Compliance and Jobsite Safety
Roofing contractors in Texas must comply with OSHA fall protection rules, especially for steep-slope roofs.
Failure to follow OSHA guidelines can:
Increase claim frequency
Result in fines
Lead to higher insurance premiums
Visit: https://www.osha.gov
Windstorm Certification Requirements (Coastal Texas)
In coastal regions, roofing projects may require Windstorm Inspection Certificates (WPI-8) to meet Texas windstorm eligibility standards.
This is especially relevant in places like:
Corpus Christi
Galveston
Rockport
Failure to comply can impact insurability of the property and increase liability exposure.
How to Lower Your Roofing Insurance Costs in Texas
While roofing insurance is expensive, there are practical steps you can take to control your costs.
Bundle your policies into a BOP
Invest in formal safety training and fall protection systems
Maintain detailed job documentation to defend against claims
Increase deductibles if your cash flow allows
Secure trailers and equipment to reduce theft claims
Keep a clean claims history by focusing on quality workmanship
Work with an independent agency likeWexford Insurance to compare carriers
One of the most common mistakes Nate Jones, CPCU, ARM, CLCS, AU sees is underinsuring early to save money.
“Roofers sometimes try to cut corners on insurance when they’re starting out,” says Nate Jones, CPCU, ARM, CLCS, AU. “But one uncovered claim can wipe out years of hard work. The goal is to build a sustainable business, not just win the next job.”
FAQ: Texas Roofing Contractor Insurance Costs
Is roofing insurance required by law in Texas?
Texas does not require general liability or workers’ comp for most contractors. However, most clients, cities, and general contractors require proof of insurance before awarding work.
Why is roofing insurance expensive in Texas?
Frequent hailstorms, hurricane exposure, and high claim frequency drive premiums higher. Texas also has an active litigation environment around storm damage claims.
Should I carry workers’ comp if it’s not required?
In most cases, yes. Without workers’ comp, you can be sued directly by injured employees, which creates significant financial risk.
Do I need insurance to work in cities like Dallas or Houston?
Yes, in practice. While the state doesn’t mandate it, most municipalities and project owners require proof of general liability and sometimes additional coverages.
Can I get insurance as a new roofing contractor in Texas?
Yes. New businesses can obtain coverage, though premiums may be slightly higher until you build a loss history.
Why Texas Roofing Contractors Choose Wexford Insurance
At Wexford Insurance, roofing contractors are one of our core specialties. We’ve helped contractors across Texas—from storm restoration crews in Dallas to coastal roofers near Houston—build insurance programs that actually protect their businesses.
Our agency was founded by Nate Jones, CPCU, ARM, CLCS, AU, a graduate of Indiana State University’s Insurance and Risk Management program. Before starting Wexford Insurance, Nate worked as an underwriting manager and risk consultant, giving him a deep understanding of how carriers evaluate roofing risk.
That insight matters.
As a Trusted Choice independent agency, we don’t work for one insurance company—we work for you. We compare multiple carriers across the market to find the right coverage at the best price.
At Wexford, we’ve seen firsthand that roofing contractors who treat insurance as part of their business strategy—not just a requirement—tend to grow faster and win better contracts.
Get a Roofing Insurance Quote in Texas Today
If you’re ready to protect your roofing business the right way, we’re here to help.
Wexford Insurance Address:107 N State Road 135, STE 304,Greenwood, IN 46142
Call 317-942-0549 or visit www.wexfordins.com. We will compare multiple carriers and help you secure the right protection at the best possible price.