Question 1

How long does a typical roof last in Central Texas?

Accepted Answer

Architectural shingles last 25–30 years with proper ventilation and maintenance. In Central Texas, intense UV, hail, and wind can shorten that to 20–25 years if the roof isn't FORTIFIED or impact-rated. Metal roofs last 40–50+ years. Tile and slate can go 50–100 years. We always inspect attic ventilation — poor airflow is the silent killer of Texas roofs.

Question 2

How do I know if I need a roof repair or a full replacement?

Accepted Answer

Repairs make sense for isolated issues — a few missing shingles, a small leak, or minor wind damage. Full replacement is recommended when: (1) your roof is 20+ years old, (2) hail damage covers more than 25% of the surface, (3) there are multiple leak points, or (4) the decking underneath is soft or rotted. Our free inspection gives you an honest recommendation with photos.

Question 3

What are the signs my roof has hail damage?

Accepted Answer

Look for dented gutters and downspouts, granule loss in gutters, bruised or cracked shingles, soft spots you can feel by hand, and dents on metal vents or flashing. Hail damage is often invisible from the ground. We use drone photography and soft-touch inspection to document every bruise — critical for insurance claims.

Question 4

Can I just put new shingles over my old roof?

Accepted Answer

In Texas, building code allows one overlay (a 'layover') in some jurisdictions, but we almost never recommend it. You can't inspect the decking for rot, the added weight strains the structure, manufacturer warranties are voided, and the new roof won't last as long. A full tear-off costs more upfront but protects your investment.

Question 5

What is FORTIFIED roofing and do I need it?

Accepted Answer

FORTIFIED is a national standard for stronger roofs backed by the Insurance Institute for Business & Home Safety (IBHS). It requires sealed seams, ring-shank nails, and reinforced edges that withstand high winds and hail better than code-minimum roofs. In hail-prone Central Texas, FORTIFIED roofs often qualify for insurance discounts. We're FORTIFIED Wind & Hail certified.

Question 6

How much does a roof replacement cost in Temple, TX and Central Texas?

Accepted Answer

In 2026, most full residential replacements in our area range from $10,000 to $20,000. The exact cost depends on square footage, roof pitch (steeper = more labor), decking condition, number of layers to remove, and the shingle or metal line you choose. We provide itemized written estimates — no hidden fees, no pressure.

Question 7

What does roof repair cost?

Accepted Answer

Minor repairs like sealing a leak or replacing a few shingles typically run $300–$800. Moderate repairs involving flashing, vent replacement, or partial decking run $1,000–$3,000. Major structural repairs or large section replacements can exceed $5,000. We always inspect first and give you a fixed quote before any work begins.

Question 8

Do you offer financing?

Accepted Answer

Yes. We partner with multiple lenders to offer flexible financing options including 0% same-as-cash plans, low monthly payment options, and deferred-interest programs. Most customers qualify with a quick soft-credit check that doesn't affect your score. We walk you through every option in plain English.

Question 9

Why do some roofers charge half what others charge?

Accepted Answer

Low bids usually mean corners are being cut: uninsured labor, no pull permits, reused flashing, skipped ice/water shield, or no manufacturer warranty registration. We price fairly for licensed, insured, warrantied work with Owens Corning materials and factory-trained crews. A cheap roof that leaks in five years is the most expensive roof you can buy.

Question 10

Are there any hidden fees I should watch out for?

Accepted Answer

Our quotes are fixed and itemized. The only additional costs that ever arise are unforeseen decking rot (we document and photo it before charging) and code-upgraded ventilation if your attic doesn't meet current standards. Both are discussed with you before any extra work is done — never a surprise.

Question 11

Do you work with insurance companies?

Accepted Answer

Absolutely — it's one of our core services. We meet your adjuster on-site, document damage with drone photos and written reports, and advocate for the full scope of work your policy covers. We handle the paperwork, supplements for code-required upgrades, and direct communication with your carrier.

Question 12

Should I file a claim before or after you inspect?

Accepted Answer

Call us first. We'll do a free inspection to confirm there's actual damage worth claiming. Filing a claim for minimal or nonexistent damage can raise your rates unnecessarily. If we find legitimate damage, we guide you through the filing process and meet the adjuster together.

Question 13

Will my insurance rates go up if I file a roof claim?

Accepted Answer

In Texas, insurers cannot raise your premium for a weather-related claim you didn't cause — it's considered an 'act of God.' However, if you've filed multiple claims recently or live in a high-claims area, your renewal rates may be affected. We advise every customer on the best timing and strategy.

Question 14

What if my insurance company denies my claim?

Accepted Answer

We don't give up. If the initial adjuster misses damage, we request a reinspection with a more senior adjuster, provide supplemental documentation, and, if necessary, engage a public adjuster or appraiser. We've turned many initial denials into fully approved claims by being thorough and persistent.

Question 15

What is an insurance supplement and why does it matter?

Accepted Answer

A supplement is additional money your insurer pays when the original estimate didn't account for code-required upgrades, hidden decking damage, or necessary improvements (like drip edge or ventilation). Many roofers skip supplements to save time — we don't. Supplements often add $2,000–$5,000+ to a claim, ensuring your roof is done right.

Question 16

How does the deductible work?

Accepted Answer

Your deductible is the portion you pay out of pocket before insurance covers the rest. In Texas, roof deductibles are typically 1% or 2% of your dwelling coverage. We collect your deductible at completion; insurance pays us the balance directly. Never trust a roofer who says they'll 'cover' your deductible — that's insurance fraud.

Question 17

Shingle vs metal roof — which is better for my Central Texas home?

Accepted Answer

Architectural shingles (like Owens Corning Duration) are the best value: 25–30 year life, excellent hail resistance, Class A fire rating, and the lowest upfront cost. Standing-seam metal lasts 40–50+ years, reflects Texas heat better (lowering AC bills), sheds rain and hail effectively, and pairs perfectly with solar. Metal costs roughly 2–3× more. We'll walk you through both honestly on-site.

Question 18

What is the best shingle for hail-prone areas?

Accepted Answer

Owens Corning Duration Storm with patented WeatherGuard Technology — it passes the industry's toughest impact test (UL 2218 Class 4). These shingles withstand 2-inch steel ball drops from 20 feet and often qualify for insurance discounts. As an Owens Corning Preferred Contractor, we install these with full manufacturer-backed warranties.

Question 19

What about TPO and flat roofing for commercial buildings?

Accepted Answer

TPO (Thermoplastic Polyolefin) is the standard for commercial flat roofs in Texas. It's white (reflects heat), heat-welded at seams for watertight integrity, and lasts 20–30 years. Spray foam is another option that insulates and seals simultaneously. We evaluate your building's drainage, HVAC placement, and warranty needs before recommending.

Question 20

Do you install solar panels?

Accepted Answer

Yes. We install solar panel systems integrated with your roof — not just bolted on top. We assess your roof's age, structural capacity, sun exposure, and electrical panel before recommending solar. If your roof needs replacement soon, we always recommend doing the roof first to avoid removing and reinstalling panels later.

Question 21

What decking do you use?

Accepted Answer

We use 7/16" OSB or CDX plywood decking, installed per code with H-clips for proper expansion. If your existing decking is rotted, delaminated, or insufficient, we replace it entirely — never cover it up. FORTIFIED roofs require specific nailing patterns and edge sealing we follow precisely.

Question 22

How long does a roof replacement take?

Accepted Answer

Most residential roofs are completed in a single day. Larger homes, steep pitches, or complex layouts may take 2–3 days. Commercial projects range from 3 days to 2 weeks depending on size. We schedule around weather, protect your landscaping, and clean up thoroughly — most neighbors never know we were there.

Question 23

What happens during the free inspection?

Accepted Answer

We arrive on time, walk the roof (or fly our drone for steep or fragile surfaces), inspect the attic for ventilation and moisture issues, photograph all damage, and sit down with you to explain what we found. You'll receive a digital report with photos and a written recommendation within 24 hours. No pressure, no obligation.

Question 24

Do I need to be home during the roof replacement?

Accepted Answer

You don't need to be home, but we ask that pets are secured and driveways are cleared the night before. Our crew arrives at dawn, sets up protective tarps, and works systematically. We call you when we're done and walk the property together for final inspection. Payment is due at satisfactory completion.

Question 25

What kind of cleanup do you do?

Accepted Answer

Magnetic sweeps of your yard and driveway for nails, removal of all debris and old shingles, gutter clearing, and a final walkthrough with you. We protect landscaping with tarps and plywood runways. If we damage a flowerbed or sprinkler head (rare, but it happens), we fix or replace it at our expense.

Question 26

What warranties do you offer?

Accepted Answer

We register every roof with Owens Corning for their System Protection Warranty — up to 50 years on shingles, 10 years on workmanship, and lifetime on defect coverage. As a Preferred Contractor, we can offer enhanced warranties not available through standard installers. We also back our work with a 5-year workmanship guarantee of our own.

Question 27

What areas do you serve?

Accepted Answer

We serve Temple, Belton, Hewitt, Robinson, Harker Heights, Killeen, Nolanville, Salado, Georgetown, Cedar Park, Pflugerville, and Austin. If you're in Central Texas and within about an hour of Temple, we'll come out. Not sure? Call us — we travel for larger commercial and multi-unit projects.

Question 28

Do you charge for travel outside Temple?

Accepted Answer

No travel fees within our standard service area. For properties significantly outside Central Texas, we may charge a modest trip fee — always disclosed upfront. Our inspection is always free, regardless of location.

Question 29

Do you do commercial roofing or only residential?

Accepted Answer

Both. We handle residential re-roofs, repairs, and storm restoration, plus commercial flat roofs (TPO, foam, modified bitumen), metal buildings, and multi-family properties. Our commercial division has separate crew leads and safety protocols.

Question 30

Can you handle HOA and neighborhood requirements?

Accepted Answer

Yes. We're familiar with HOA color and material restrictions in many Central Texas subdivisions. We help you select compliant shingles, pull the necessary HOA approvals, and coordinate with property managers. We also work with historic districts and properties requiring specific architectural review.

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