What a roof costs in Williamson County
Repair — leaks, missing shingles, flashing: $400–$1,800.
Full asphalt-shingle replacement, typical home: $9,000–$18,000.
Premium — impact-resistant, metal, tile, complex roofs: $18,000–$40,000+.
But if it’s a covered hail claim, you pay your deductible — not the replacement cost. That’s the whole reason storms drive roofing here.
These are Central Texas ranges for asphalt shingle unless noted. Roofers price by “square” (100 sq ft of roof) — a typical home is 20–35 squares.
Where the money goes
| Line item | What moves it |
|---|---|
| Roof size (squares) | The base of every quote. More roof, more material and labor. |
| Pitch / steepness | Steep roofs need extra safety, staging, and time — a real cost bump. |
| Material | Standard asphalt is the baseline. Impact-resistant (Class 4) adds ~$1–$3 per sq ft but can earn an insurance discount. Metal and tile are more again. |
| Tear-off & layers | Removing old roofing, especially two layers, adds labor and disposal. |
| Decking replacement | Rotted plywood under the shingles is common on old Texas roofs and is priced per sheet once exposed. |
| Flashing & penetrations | Chimneys, skylights, valleys, and vents each add detail work. |
The insurance-claim math
This is the part that surprises people. On a covered hail or wind claim:
- Insurance approves a replacement cost for your roof.
- You pay your deductible — often 1–2% of your home’s insured value, so on a $400,000 home a 1% deductible is $4,000.
- Insurance pays the rest, sometimes in two installments (some now, the remainder once work is complete).
So a $14,000 roof can cost you your deductible instead of the full amount. That’s legitimate and it’s how the system is designed to work.
The deductible red flag
If a roofer offers to “waive,” “cover,” or “eat” your deductible — or to inflate the invoice so insurance covers your out-of-pocket — walk away. In Texas that’s insurance fraud, it’s illegal for both of you, and it’s the clearest sign of a storm-chasing outfit. Honest local roofers never offer it.
Reading a roofing quote
- Material and manufacturer named — not just “architectural shingle.”
- Tear-off and decking allowance stated — how rotted decking is priced.
- Warranty split out — the manufacturer’s material warranty vs. the roofer’s workmanship warranty. They’re different things.
- Local address and how long in business — a warranty is only worth the company behind it.
Get real numbers for your roof
Tell us what happened and we’ll connect you with independent local roofers for quotes. Free, no obligation, you contract directly.
Cost ranges reflect typical Central Texas pricing as of 2026, for planning only. We are not a public adjuster and do not provide insurance advice. Last reviewed July 2026.