FREQUENTLY ASKED QUESTIONS

We can install the most types of roofs used in both, residential and commercial applications. Our solutions include, but are not limited to: asphalt (shingles and modified bitumen), metal (ribbed panel and standing seam), tile (concrete and composite), single ply (TPO, EPDM, and PVC).

Yes, however it is not a best practice. Adding a second layer of composite asphalt shingles can add between 8,000 and 12,000 lbs of weight on the average home. While some local codes allow for an additional layer of shingles,  we do not perform this type of installation at Texas Republic Roofing, as part of our commitment to the highest level of quality and safety. 

Our standard shingle roof replacement includes complete removal of your old shingles, underlayment materials, and accessories down to your roof decking. We perform an inspection of the decking for any issues such as rot and fractures. We review the findings with you and address them before installing your new, top-of-the-line, roofing system.

Depending on the circumstances. Filing a homeowners insurance claim due to storm damage in Texas does not increase your premium directly. 

Insurance companies use risk assessments based on the area you live to set your premium, so they have already factored in the possibility of certain natural disasters occurring. However if weather patterns change over time in your area. Your insurance might assign a higher level of risk to it, which means all policies in your area would increase under that provider.

It is important to note that you should report any incidents, visible damage or significant hail (whether or not damage is visible) to your insurance provider as soon as you notice it, to avoid further damage to your property for which your insurance might not cover if they determine you didn't report it in time.

We assists homeowners throughout the entire process. Make us your first call to determine wether your home has any evidence of damage that needs to be reported and covered by your insurance provider. We will help you file the claim, and even meet with your insurance if necessary. Once your claim is processed, we will review their assessment to ensure that everything we identified was covered, and if it's not, we will take care of ensuring you get the coverage you deserve.

Replacement Cost Value. It's the cost to replace damaged items based on fair market price for your region.

Actual Cost Value. Is the value of the damage to your property. This is not necessarily how much it will cost you to replace the items, but the value factoring in the depreciation of the covered items. That is, if your home has a roof that is 10 years old, and the type of shingle has a 20 year life as established by the manufacturer, then the ACV will be half the cost of the roof.

This is the amount that your insurance policy states you must cover for damages before their coverage kicks-in. The deductible amount should be clearly stated in your policy, and it can either be a percentage of your home value or a set dollar amount. 

If the repairs required are valued at less than your deductible amount, your insurer can deny the claim based on the fact that the Replacement Cost Value (RCV), falls under your deductible in its entirety.

This is the amount of value loss due to age and/or wear and tear of an item. 

When a claim is approved, most insurers will initially only cover the Actual Cost Value (ACV) of the damaged items requiring replacement minus any deductible. ACV is the value of the item factoring in its age. This likely will not be enough to replace the items listed in your claim, but don't worry just yet, many policies carry a Replacement Cost Value (RCV) clause that allows you to get a second payout if you replace the items your insurer approved. 

To know if your insurance company will cover full replacement, you should look for a line in your insurance policy paperwork stating whether depreciation is recoverable or not. Also, once a claim is approved, your insurance estimate will subtract depreciation on the Summary page, towards the end, and it will usually say there whether or not this amount is recoverable.

To recover the depreciation funds, your contractor will send evidence of completion to your insurance company along with a final invoice showing the total cost of replacement. 

Example: 

A typical metal roof has a 50-year life. If 20 years after installation, the property is hit by a storm, and the roof is damaged beyond repair; the insurer will estimate the value of the roof at 60% of it's "brand new" value. The insurace company will calculate your first payout by calculating the cost to replace your roof with a new roof  that has comparable specifications to your current one (let' say $20,000). They will subtract your deductible (we'll use a $2,000 deductible for this example) and 40% for depreciation ($8,000). 

The first payout for this claim will be $10,000. This policy has recoverable depreciation, so once the replacement is completed, the insurance will disburse the remaining $8,000. This would only leave $2,000 for the property owner to cover as deductible.

Payout from an insurance claim will often be made out to both, the property owner and the mortgage company. SInce mortgage agreements usually have a clause that requires the homeowner to ensure the property is adecquately maintained, they usually have the legal right to oversee an insurance claim. How involved they are varies from one company to the other. Some will request the check to release the funds right back to the property owner, while others might go as far as requiring on-site inspections of the repairs and all invoices before releasing the fees.

No matter what their initial level of involvement is, keep in mind that, in most cases, the mortgage can eforce rights to ensure the integrity of the property at any time. This includes them verifying that any repairs needed are promptly addressed. 

The most common reasons your insurance payout will be lower than the claim estimate are your deductible and depreciation. 

The deductible is your share of responsibility when covering repairs. The deductible amount will stipulated when you get your insurance policy and can be a percentage of the property value (usually 1% or 2%). 

Depreciation is determined by the age of the items needing replacement. If an item is half way through its expected life when you file a claim, half of its value will be subtracted from the insurance pay out due to depreciation. More often than not, insurance policies offer recoverable depreciation. If this is the case, you can recover those funds once all repairs are completed.

Yes! Customer's paying for their project out-of-pocket can take advantage of our retail discounts. Handling an insurance claim has added costs through the entire process, so we pass the savings to you when an insurance claim is not involved.

Usually, we request 25%-50% deposit to schedule your project, this is in order to schedule materials to be set aside and delivered and to block our installation crew's schedule for your project. 

If your project is being paid by your insurance, this requirement will depend on the agreed repairs and payment schedule.

It is against the law for contractors to offer property owners discounts or refunds in order to offset their deductible.

Roofing, and construction in general, are widely unregulated in Texas, this means that anybody can claim to be a contractor. Offering to waive your deductible is a sign that the contractor is not abiding by law and should be seen as a red flag.

Usually, these "contractors" do not have the proper training from the manufacturers and are unfamiliar with local code. The reason most of these contractors can do that is because they cut expenses reputable contractors don't: material quality, insurance, permits, licenses and certifications, among others.

Hiring someone like this can turn out to be costlier with time as they might not be around in the future when their subpar materials begin to fail. When dealing with certain aspects of a home or building, such as roofing, consequences can be much greater. Your roof has safety components of some of the main systems of your home, such as your HVAC, plumbing system and attic ventilation. Improper installation of these components can lead to serious injury of the occupants .

Yes! At Texas Republic Roofing, we have specialists certified in insurance claims and estimating. We will review your insurance company denial, perform our own property inspection, and gather evidence if we find damage. 

We will help you through the entire process of appeal an even meet with your insurance adjuster, if a reinspection is required on their end. We have many tools at our disposal to ensure that property owners get the insurance covereage they deserve. Give us a call today.

Your insurance will only cover damage for events that took place while their policy was in effect. If the event that caused the damage happened before your current insurer started coverage, you will need to contact the previous insurer. This can prove to be difficult when the damage happened before you own the property.

You will need to obtain the insurance policy information from the previous owner and call to ask if they will accept a claim. Keep in mind that the statute of limitation for filing a storm damage claim is 2 years.

To avoid this, ensure your roof and any other components prone to storm damage are carefully inspected before you buy a home. Home inspectors provide a broad isnepction of many components of your property prior to purchase, however, aside from blatant damage, they will not detect more subtle damage which negatively affects the durability of a roof.

The duration of a roof replacement widely depends on many factors. The following estimates are based on a roof up to 4,000 sf:

• A shingle roof replacement takes 1 day 
• Metal roofs usually take 2-3 days depending on the type of material and accessories being installed
• Single ply roof replacements usually take 2-3 days

There are different types of roof vents, some are for attic ventilation, others are plumbing reliefs, and others are for appliances, such as your dryer, furnace, or hood vent.

Impact Resistant or IR shingles are composite laminated shingles built to withstand a higher level of impact than standar laminated shingles. 

In order for a shingle model/series to receive the Impact Resistant designation, it must meet the requirements of Class 4 of the UL 2218 impact rating standard. 

Not only do IR shingles last longer, but they can also save you money on your insurance premium.

Drip edge, or metal edge, is a 90 degree angle typically made of steel or aluminum, which protects the edges of your roof (eaves and rakes) from the elements and even contact (Ex. with a ladder). 

Drip edge gets its name from its function to offer a surface for watter to run onto.

We only use the highest quality materials to allow us to offer the best warranty in the industry and ensure that our customer's have the best experience.

Unfortunately, due to its durability and overall reliability, standard 3-tab asphalt shingles don't meet those standards. 

Our 3-tab work is limited to repairs on already existing 3-tab roofs.

Laminated asphalt shingles are made of two or more layers of asphalt bonded together to create a stronger base for the shingles. This results on shingles that are significantly more durable (almost twice the life span) and more resistant to wind than regular 3-tab shingles.

Yes, metal roofing is more impact resistant than standard asphalt shingles (3-tab and laminated). Metal roofing typically has a Class 4 Impact Rating.

Although Class-4 Impact Rated shingles are found in the market, overall, they don't have the same durability.

Higher resistance or durability does not necesarily mean that metal roof is always the way to go. While metal can resist higher impact than shingles, in reality, impact and time have an impact on the look of the roof over time. While roof panels can last up to 50 years, a roof high by hail can dent and remove the coating. Also sun light will fade the roof over time.  

Yes, a metal roof is, on average, twice as much as a laminated shingle roof.

Contact us for a free quote today.

Yes, but it will be a major project requiring architectural design, engineering assessments, and government permits.

Underlayment refers to a layer of moisture barrier installed under your roof. It's an extra layer of protection for your roof decking from water intrusion. 

While materials and sizing vary, synthetic felt is now the most widely used type of underlayment. We have plenty of options available to fit all weatherproofing needs.

Yes, sythetic roofing underlayment is a more durable and effective weatherproofing material than paper felt. While some contractors still use paper felt, we only install synthetic to provide the highest quality roofing systems.

Product have a life as defined by their manufacturer, shingles and other products may have a lifetime warranty, meaning they are guaranteed to last that period under normal conditions.

Warranties for shingles and other products, usually do not consider storms with high winds or hail normal conditions, but your homeowners insurance should provide coverage for those events. 

Other factors that could void your warranty include high foot traffic or adding systems that disturb or modify your roofing system, such as, solar systems, communication systems, and others. 

At Texas Republic Roofing, we are authorized to install your roofing system, by the top manufacturers in America. We take care of registering your warranty with the manufacturer and validating that it meets all the requirements to stay valid. Contact us today with any questions on things that affect your material or workmanship warranty.

Absolutely, our crews have designated clean up members. We clean from the moment we start tearing your old roof off, and we continue throughout the day to ensure we remove as much of the debris generated by oyur project as possible.

Our crews are equiped with magnetic rollers and sweep all areas around the property to ensure we collect most nails and other metal objects.

Since the average roof has close to 20,000 nails, it is nearly impossible to collect every single nail that drops, but we sure try our best to do so!

As an added measure, we recommend that customers observe caution when working or playing on yards for the weeks following a roof replacement.

Permitting requirements for roofing are constantly changing. The requirements are usually from your city or county. Many places don't require a permit for a simple roof replacement, meaning that no structural work will take place  (deck replacement, framing, etc.), while other require approval prior to commencing the work.

We will check the requirements where you live, and inform you of any permit requirements, we will also meet with the inspector to perform finaly buy-off if necessary.

At Texas Republic Roofing, we abide by the highest safety and quality standards, and we have built a reputation on them. Rest assured knowing that whether or not an inspection by your local government is required, you will receive the highest quality products and services in the market.

No, Texas does not have any licensing requirements for roofing contractors, that's why choosing a reputable company to do a component as important as your roof, is of the utmost importance.

At Texas Republic Roofing, we pride ourselves on performing to the highest standard, our team keeps in close contact with material manufacturers and other organizations, to keep up with the newest products, methods, and practices in the industry. We constantly train our personnel, and have implemented strict quality control measures to give you peace of mind.

Installing solar panels can void your roof warranty depending on the material and type of system. Contact us to get a full assessment of your situation. Alternatives that integrate weather-proofing and solar energy, such as solar shingles, are now available, and are part of your system.