Round Rock, Texas

Roof replacement in Round Rock

Thinking about a new roof, with or without an insurance claim? Text me a photo and the age of the roof. I’ll help you find a local roofer and get quotes you can compare line by line.

Text Terry about a new roof

OnHand Home is not a roofer. I help you find one, and you get their business name before you agree to anything. There is no charge for my help. You pay the roofer for the work.

What the work involves

A full replacement usually means tearing off the old roofing, checking the wood decking underneath, laying new underlayment, and installing the new surface with flashing at every vent, wall and valley. Then the crew cleans up.

Two methods exist. A tear-off removes the old layer first. An overlay puts a new layer on top of the old one. An overlay skips some work, but it hides the decking, so a soft spot can go unseen. Ask the roofer which one they are pricing and why.

The surface you pick is the biggest choice. Asphalt shingles are the most common on houses. Metal roofing comes in panels that lock together on the roof. They behave differently in noise, heat, repairs and upfront cost, so compare them on the same written scope.

Good quotes list the same things. If one quote leaves out underlayment, flashing or decking, it is not cheaper. It is unfinished.

Why Round Rock homeowners replace a roof

Hail or wind damage that an insurance company has accepted
Shingles that crack, curl or shed granules across whole slopes
Leaks that keep returning after repairs
Buying or selling a house, and an inspector flags the roof
An insurer that asks for a new roof before it renews a policy
A switch to metal for a different look or a longer-lasting surface
Wanting vents, gutters or skylights redone at the same time

Shingles or metal

Neither is right for every house. Ask each roofer to price both on the same scope.

Shingles. More roofers install them, so you get more bids and more choice of color and style. Repairs are usually simple.
Metal. Ask each roofer how many metal roofs they have installed, and ask to see recent ones. Compare noise, heat and repair steps with them.
Insurance. Ask your insurance company whether the material you choose changes your policy.
Tear-off or overlay. Ask what happens to the old layer, and how they check the decking either way.

What changes the price

A new roof is one of the larger bills on a house. I give no numbers, because they depend on the roof. These are the drivers.

The size of the roof, its pitch, and how many valleys, dormers and penetrations it has
The material: asphalt shingles, metal, tile, or a flat-roof membrane
Tear-off of one layer or more, and the cost to haul the old roofing away
Decking replacement. This is often priced per sheet, discovered only after tear-off.
Underlayment, flashing, drip edge and ventilation changes
Gutters, fascia or skylights that must come off or be replaced
Permits or fees, if your roofer says your job needs them
Whether the work is paid by an insurance claim, by you, or by both

Questions to ask the roofer

Use these to compare quotes side by side.

Will you tear off the old roof, or lay over it?An overlay hides what is under it. Ask how they check the decking.
What happens if the decking is rotten?Ask for the price per sheet before work starts, so there is no surprise on day two.
What exactly is in the scope?Underlayment, flashing, drip edge, vents and cleanup should be written down, not assumed.
What is a supplement, and when would you file one?A supplement asks the insurer to cover work found after tear-off. Ask how the roofer handles it and what it costs you.
Can you show me the adjuster’s report next to your estimate?TDI advises comparing bids with the adjuster’s report before you settle.
How will you protect the yard, and how do you pick up nails?Ask whether they run a magnet over the lawn and drive, and who checks the gutters.
How much is due upfront, and when is the final payment?TDI says to be wary of a large or full down payment.
Does my job need a permit, and who gets it?The City’s standalone permit list does not include roofs. Ask the roofer, and ask the City if you want to be sure.
What warranty do you give on workmanship, separate from the manufacturer’s?Get both in writing. Ask who to call if a leak appears.

Paying with an insurance claim, or paying yourself

If hail or wind damaged the roof, call your insurance company as soon as you can. TDI says to take photos and video, save receipts, and be there when the adjuster visits. It also says not to make permanent repairs before the adjuster has seen the damage.

The insurer decides what it covers. The roofer’s estimate may differ from the adjuster’s. TDI says to get multiple bids and compare them with the adjuster’s report before you settle the claim.

A contractor cannot waive your deductible or give you a rebate for it. TDI says that is illegal. Your insurer can ask for proof you paid it, such as a receipt or cancelled check. If a roofer offers to cover your deductible, report it to the Texas Attorney General’s Consumer Protection Hotline at 800-621-0508.

If you do not have a claim, or the roof wears out from age, you pay yourself. Many people ask for the same written scope either way, so they can compare.

Read the contract before you sign

TDI says not to sign a contract with blank spaces. A dishonest contractor can fill them in later with higher prices or different work.

Check that the contract names the material, the color, the scope of work, the start window and the payment schedule.

Round Rock and Texas notes

The City of Round Rock’s standalone permit list does not include roofs. Ask your roofer whether your job needs a permit.
TDI explains the claim steps: report promptly, document the damage, be at the adjuster visit, and compare bids with the adjuster’s report.
A Texas contractor cannot waive your insurance deductible or give you a rebate for it.

What happens after you text

You text meSay what is going on, add a photo if you can, and include your ZIP code. The message is already started for you, and you can change it.
I ask a question or twoI check the details a roofer will need and confirm you are in our area. We are starting in Round Rock.
I look for a rooferI check who can take the job. You get the business name before you agree to anything. If I cannot find someone, I tell you.
They quote and do the workThe roofer confirms the time and the price with you. You pay them for the work. I follow up afterward.

Tell me what is going on.

Text me a short description and your ZIP code. A photo helps.