The questions homeowners actually ask, answered without a sales pitch.

Most residential asphalt replacements in the San Antonio area land between $11,000 and $13,200 for a 2,000 square foot roof. Larger, steeper or premium roofs run higher. Size, pitch, layers to tear off, decking condition, and shingle tier account for nearly all of the spread. See the full cost breakdown.

Most single-family asphalt roofs are torn off and dried in the same day, and fully finished in one to two days. Steep pitch, complex rooflines, tile, metal, and unexpected deck repairs extend it. Weather is the variable nobody controls.

Lifespan depends on the material, the installation, ventilation, and Texas heat and hail. The number on the wrapper is a warranty term, not a service-life prediction. Lifespans by material.

Late fall through early spring is the easiest window in Central Texas: milder temperatures, shorter lead times, and less competition for crews than the weeks after a hail event. That said, an active leak or real storm damage should never wait for a better month.

Yes — promotional 0% APR plans for up to 12 months and monthly plans from 60 to 180 months are available, subject to credit approval. On an insurance-funded replacement, most homeowners only need to finance the deductible. Financing options.

Functional damage is bruising that fractures the shingle mat — not the cosmetic marks most people look for. Soft metals like vents, gutter aprons, and flashing show it first. Almost none of it is visible from the ground. How hail damage is assessed.

File when documented functional damage clearly exceeds your deductible. Filing on cosmetic marks, or on damage worth less than the deductible, tends to cost more in claim history than it returns. Have the roof inspected before you call the carrier, not after.

Many Texas policies set a separate wind and hail deductible as a percentage of your dwelling coverage. On a $400,000 dwelling limit, every 1% is $4,000. Your declarations page shows yours. Texas deductible law.

No. Under Texas Business & Commerce Code §27.02 it is illegal for a contractor to pay, waive, rebate, or absorb your deductible or to advertise doing it¹. Anyone offering is telling you exactly how they handle rules they find inconvenient. What the statute says.

Two clocks run at once. Policies vary and Texas law requires prompt notice. Practically, file within a year of the dated storm event, and sooner is better because proving which storm caused the damage gets harder as more storms pass over. Texas law also limits how long you have to sue an insurer. That deadline depends on the kind of claim and your policy, often runs from the insurer's decision rather than the storm date, and a policy can shorten it to two years, the shortest Texas allows. Ask a Texas attorney for your deadline. Delay also makes it harder to tie the damage to a specific storm date, which is the argument carriers use most.

No. You choose the contractor, always. Preferred-vendor programs exist for the carrier's convenience and pricing, not as a requirement on you. How claims actually work.

Contain the water, move what matters, and if a ceiling is bulging, puncture it deliberately at the low point so the load releases in one place. Photograph everything before cleanup. Do not climb a wet roof. Emergency roof repair.

At equivalent tiers, the major brands perform comparably. Impact rating, ventilation, and installation quality affect how long a roof lasts, and the brand matters less. Genuine product differences exist — Malarkey's polymer-modified asphalt is one. Brands and warranties.

In a hail market, usually. The shingle resists impact better and Class 4 impact-resistant shingles can qualify for a premium discount in Texas. The amount is set by your insurance carrier, so ask your agent what yours would be. Hail damage.

Metal costs roughly two to three times more up front and lasts two to three times longer, so cost per year of service is broadly comparable. Metal handles heat and wind better; asphalt is far cheaper to repair. Full material comparison.

An under-ventilated attic cooks the shingles from underneath and traps moisture that reads like a leak on your ceiling. Manufacturer warranties generally require adequate ventilation, so check the warranty terms for your shingle. Attic insulation and the ventilation science.

Not always — but the drip edge and gutter apron are being rebuilt anyway, so it is the cheapest moment to do it. Replace them if they sag, if they are undersized for Central Texas rainfall intensity, or if the same storm damaged them. Gutters.