Dec 14, 2025
Will insurance cover roof replacement

If you’re looking to get a roof installation and replacement here in Frisco, TX, you’re going to want to get a couple of estimates. Remember that the lowest bid may not be the best, and it’s essential to ask the right questions so you can spot the fly-by-night shysters from the pros who will provide you something of lasting value.

What Should You Ask During a Frisco, TX Roof Installation and Replacement Estimate?

Insurance will often cover storm damage, but that payment will only come through if your new roof meets code and the contractor handles claims honestly. Texas has no statewide roofer licensing, so storm chasers tend to flood in after big storms, take deposits, and then vanish.

Here are seven key questions to ask every contractor to keep yourself and your home safe:

Are You Insured, and Can I See the Certificates?

Texas doesn’t require a roofer to carry liability or workers’ comp, but you must demand both. If a worker falls off your roof, you could pay medical bills or face a lawsuit, and liability insurance will cover damage to your home or a neighbor’s. Ask for certificates naming you as the additional insured. If they have no proof, walk away.

How Many Years Have You Been Roofing Specifically in North Texas?

National chains or out-of-towners love to come in and undercut local prices, but they also tend to vanish when the callbacks come. Local companies know our weather stresses, HOA rules that are common in this area, and even the local inspectors’ pet peeves. Make sure they’ve been working in the area for at least five years.

Will You Pull Permits and Handle All Inspections?

Frisco requires permits for full replacements, and the contractor should file online or in person at City Hall. Skipping permits can void your insurance, cause your home sale to fail later, or, in a worst-case scenario, even mean you have to do the whole thing over again. Ask who pays the permit fees and if they’re bundled in the quote.

What Exact Materials Do You Recommend, and Why for This Area?

Don’t accept “standard shingles.” Press for the brand, the weight, a wind rating, and an impact rating. Make sure the wind rating is 130+ and that the impact rating is enough to get you a hail discount on your insurance (you may need to check with your insurer first). Ask about underlayment, ice/water shielding in the valleys, and proper ventilation. Get everything in writing.

What Warranties Do You Offer on Materials and Workmanship?

Manufacturer warranties typically run 25–50 years, depending on the type of roof, but these cover only defects. True protection comes from the contractor’s workmanship warranty. Ask if it’s non-prorated, transferable, and who honors it if they go out of business.

At Impression Roofing, we’ve been serving the local area for more than 15 years. We use the highest quality materials, and we specialize in working with insurers and keeping you informed at every step. Talk to us at Impression Roofing now for help in Frisco and the surrounding area. We also service roofs in the south Denver, CO area.