Good questions.
Clear answers.

Do I have to pay my roof insurance deductible in Texas?

Yes. For covered work, your deductible is your share of the loss. Texas requires you to pay it; a roofer cannot waive, rebate or absorb it. Peaked’s proposal separates the work, price and payment terms so you know what you are agreeing to.

TDI: Deductibles and contractor offers · TDI: Roofing and insurance — know the law

What about a “free roof,” cashback or an inflated invoice?

An offer that gives back or hides your deductible is not a lawful workaround. That includes disguising the amount as a rebate or inflating an invoice to make it appear paid. Keep the real contract, invoices and payment records. Your insurer can request proof of your deductible payment.

TDI: Deductibles and contractor offers · TDI: Roofing and insurance — know the law

How does the deductible affect what I pay?

For an illustration only, assume $20,000 is the actual, fully covered eligible repair cost and your deductible is $2,000. With no depreciation, limits or other reductions, insurance would contribute $18,000 and you would pay $2,000. Upgrades and uncovered work add to your share. This example is not a coverage decision or a quote.

TDI: How deductibles work · TDI: Replacement cost and actual cash value

Is a 2% deductible based on the roof price?

Usually it is a percentage of the insured dwelling amount, not the roofing invoice. For example, 2% of a $300,000 dwelling coverage limit is $6,000. Check the declarations and wind/hail terms with your insurer; the deductible for a storm may differ from other claims.

TDI: How deductibles work · TDI: Insurance and your roof

What is the difference between replacement cost and actual cash value?

Replacement cost coverage considers current repair or replacement costs. Actual cash value also subtracts depreciation for age and condition. With replacement cost, an initial payment may withhold depreciation until repair requirements are met. Ask your insurer what is recoverable, which documents it needs and what deadlines apply. Neither type removes your deductible.

TDI: Replacement cost and actual cash value · TDI: Insurance and your roof

What if I cannot pay my share all at once?

Tell us before signing so we can discuss the project budget and proposed payment milestones. Any payment arrangement needs written agreement; it does not erase the deductible. Ask your insurer what payment documentation it accepts. Confirm the agreed amounts and due dates before work begins.

TDI: Deductibles and contractor offers

How is a retail roof different from an insurance project?

With direct payment, you and Peaked agree on the scope, materials and price without a claim. With insurance, you still choose your contractor and decide which work to authorize, while the insurer evaluates covered damage and payment under your policy. The claim does not make every contractor’s price identical. Review your deductible, uncovered work and upgrades alongside the written proposal.

TDI: Insurance and your roof

Can Peaked work with my insurance adjuster?

We can explain our photographs, measurements, repair methods and construction estimate. We do not act as your public adjuster, interpret coverage for you or negotiate your claim settlement. Those boundaries keep our role clear: show the roof’s condition, explain the work it needs and complete the project you approve.

TDI: Roofing and insurance — know the law

What happens if more damage or missing work is found?

Peaked documents additional construction needs with photos, quantities and a revised estimate. That documentation may support a supplement for the insurer to review. A supplement is not automatic approval or a promise of more money. We explain proposed changes before you authorize the additional work.

TDI: Roofing and insurance — know the law

Should I have my roof inspected after hail or high winds?

An inspection can help explain missing shingles, damaged flashing, loose granules, dents or a new leak. Photos taken safely from the ground and the date of the storm are useful starting points. Peaked documents the condition; the insurer decides whether the damage is covered. Do not climb onto a damaged roof to check it yourself.

TDI: Insurance and your roof

Will insurance replace a roof just because it is old?

Age and normal wear alone do not qualify a roof for an insurance replacement. Coverage depends on the cause of damage and your policy. If replacement is a maintenance decision, we can help you compare a direct-pay repair or replacement plan.

TDI: Insurance and your roof

Do I need a whole new roof, or can it be repaired?

Start with where the problem begins, not just where the ceiling stain appears. We look at the affected covering, flashing, deck and nearby transitions, then explain a focused repair or a broader replacement. The roof’s overall condition, repair history and material availability help shape that recommendation.

How much does a roof replacement cost in DFW?

Your price depends on the roof area, slope, height, removal, access and the complete system selected. Compare the shingles along with underlayment, flashing, starter, ventilation, ridge caps, disposal and any decking allowance. The online estimate starts the conversation; verified measurements and a written scope establish your project price.

Why is the roof measurement larger than my home’s floor area?

Roof slopes, overhangs, porches and garages add surface area. One roofing square equals 100 square feet of roof surface. Waste is additional ordering allowance for cuts and layout; it is not part of the measured surface. A useful estimate keeps the measured roof and material allowance separate.

How do I compare asphalt shingles, metal and tile?

Compare the look, installed scope, product warranty and suitability for your home together. Asphalt, stone-coated steel, standing-seam metal, concrete tile and clay tile have different accessories and attachment needs. A heavier covering also needs a structural suitability check. Use Roof Studio to narrow your choices, then confirm local availability and a physical sample.

Why does the proposal include more than shingles?

Shingles are the visible finish. The deck supports them; underlayment adds a secondary water-shedding layer; flashing handles edges and roof intersections; starter and ridge caps finish the assembly. Ventilation and drainage need their own plan. Ask which accessories are included and how installation follows the selected manufacturer’s instructions.

What happens when I request a Peaked inspection?

Tell us the property address, what you have noticed and how to reach you. We confirm availability with you, review the roof’s condition and explain the proposed work. You can compare material choices and ask questions before deciding. A request does not commit you to a replacement.

Does Peaked serve my part of North Texas?

We serve Dallas–Fort Worth and nearby communities, including Haslet, Fort Worth, Rhome, Newark, Hurst, Bedford and Euless. Share the property address so we can confirm service and scheduling for your location. Homes, businesses and exterior restoration projects can all start with the same conversation.

How should I prepare for roof installation?

Tell us about pets, vehicles, gates, landscaping, pools and equipment that need special care. We plan access, material delivery, property protection, removal and cleanup with you. Weather, roof size, repairs and material availability affect the schedule, so the team confirms timing for your actual job.

Can you inspect a commercial or low-slope roof?

Yes. Tell us the building use, roof type if known, where leaks occur and any access requirements. Peaked can discuss TPO, PVC, EPDM, modified bitumen and other commercial systems, along with drainage, penetrations and the work needed around occupied spaces. A commercial scope is reviewed for that building.