The way to judge a roofing bid is to line it up against two or three others, item by item. The total only tells you something once you know what’s in it: how big each roofer measured the roof, what comes off, what happens if the decking is rotten, which shingles go on, and what’s guaranteed. The Texas Department of Insurance (TDI) suggests getting at least three bids, on the company’s letterhead with a phone number and an address.
Is my bid in the right neighborhood?
For a typical Austin home with architectural shingles, public 2026 guides put a full replacement at roughly $12,000 to $17,500 (see How much does a new roof cost in Austin?). A $30,000 bid isn’t automatically too high. It can be right for a large or steep roof, Class 4 shingles, metal or tile, two layers of tear-off, or a lot of rotted decking. If one total stands out, ask that roofer to walk you through it.
What should every roofing bid include?
Put the bids side by side and check each one for these:
- Roof size in squares (100 sq ft of roof each). If two bids measure your roof very differently, ask how each one measured.
- Tear-off: how many layers come off, and whether disposal is included. A public Austin guide calls laying new shingles over old ones a warning sign.
- Decking: the price per sheet if they find rot, and how they’ll show you before replacing it.
- Underlayment type, and what goes in the valleys.
- Flashing: new metal at chimneys, walls and vents, or reusing the old. Ask which.
- Ventilation: ridge vents or other vents, included or not.
- Gutters, skylights, satellite dishes: included or extra.
- The materials, by brand and product line, written into the contract. TDI says to make sure the contract lists the materials and to watch for low-quality substitutes as work goes on.
- Start and finish dates, and who to call during the job.
- Payment schedule. Don’t pay in full up front, and hold the final payment until the work is done.
What’s the difference between the two warranties?
A manufacturer warranty covers defects in the roofing materials. A workmanship warranty is the roofer’s promise about the installation. They’re separate, and a bid should say what each one covers and for how long. Ask whether the manufacturer warranty requires anything from you or the roofer, like registering the roof after the job, and who will do it. TDI suggests keeping a copy of every agreement and the warranty terms.
What Texas rules should I know before signing?
- No waived deductibles. It’s illegal in Texas for a contractor to waive, rebate or absorb your insurance deductible, or to work it into a bid. Contracts of $1,000 or more that involve an insurance settlement must include a notice that you have to pay the deductible, and your insurer can ask for proof that you did.
- Your roofer isn’t your adjuster. Texas doesn’t allow a roofer who’s doing the work to act as your public insurance adjuster, negotiate your claim or say they represent you to your insurer.
- Watch the wording. TDI warns against contracts that say you agree to the repairs “for the value of insurance proceeds,” which hands the contractor your whole insurance payment, and against papers called an “estimate” or a “release” that are really contracts.
- Down payments after a disaster. TDI says it’s against the law for out-of-town contractors to ask for a down payment before they start work after a disaster. Be wary of anyone asking for a large or full payment up front.
- No blank spaces. Never sign a contract with blanks that can be filled in later.
Common questions
How many roofing quotes should I get?
At least three, if you can. The Texas Department of Insurance says three bids help you spot offers that are too high or too good to be true. Ask for each one in writing, on the company's letterhead with a phone number and address, and compare them line by line.
Why is one roofing quote so much higher than the others?
Usually because it includes something the others don't, or measured the roof differently. Check roof size, layers of tear-off, decking allowance, underlayment, flashing, ventilation and the shingle line. If the difference still isn't clear, ask the roofer to explain it. A low bid that skips items can cost more later.
Can a roofer pay my insurance deductible?
No. In Texas it's illegal for a contractor to waive, rebate or absorb your deductible, or to pad the bid to cover it. TDI says your insurer can ask for proof you paid it. If a roofer offers this, find another roofer; you can report it to the Texas Attorney General at 800-621-0508.
How much should I pay a roofer up front?
As little as you can, and never the full amount. TDI warns against large or full down payments and says not to make the final payment until the work is done. After a disaster, it's against the law in Texas for out-of-town contractors to ask for a down payment before starting.
What does it mean if a bid says 'for the value of insurance proceeds'?
It means you'd agree to pay the contractor whatever your insurer pays, instead of a set price for set work. TDI warns against signing that language, because the contractor gets every penny of your insurance payment. Ask for a fixed price with the materials listed.
Sources
- Texas Department of Insurance, How to avoid contracting scams
- Texas Department of Insurance, Is it OK for a contractor to waive my deductible?
- Texas Department of Insurance, Roofing and insurance: know the law
- Texas Department of Insurance, Hail damage to your home or car? What to do next
- KXAN Studio 512 (sponsored content), Roof replacement cost in Austin, 2026