texas-legacy-roofing-and-construction

Texas Insurance is Paying Less - EDUCATE YOURSELF

Wed, 18 Jun 2025 15:24:30 GMT

�� Texas Insurance is Paying Less—Here’s Why That Matters for Your Roof, and How Texas Legacy Roofing Can Help

A recent report from Weiss Ratings revealed something every Texas homeowner should know: Nearly 47% of homeowners' insurance claims in Texas were closed without any payment in 2024. That’s nearly half. And it’s a number that’s only rising.

Compare that to just eight years ago in 2016—only 35% of claims went unpaid. Today, Texas leads the nation in unpaid claims, and it's not by accident.

So what’s changed? And more importantly, what can you do to protect your home—and your wallet?

�� Why Are So Many Texas Claims Being Denied?

There are a few key factors driving this shift:

1. Policy loopholes and rising deductibles

Insurance companies have adapted their policies to limit their own liability. That means:

Higher deductibles that often exceed the cost of the actual repairs
Coverage exclusions for wind or hail damage—two of the most common causes of roof damage in North Texas
Narrower definitions of “storm damage,” letting insurers claim it’s just wear and tear

2. Texas legislation makes it easier for insurance companies to say “no”

Back in 2017, new state legislation reduced penalties for insurers that deny valid claims. That led to more claim denials, fewer lawsuits, and unfortunately—more Texans paying for damage out-of-pocket.

3. Many homeowners don’t challenge the denial

Most homeowners either trust the denial or don’t know they have options. They never push back, never bring in a professional second opinion, and end up covering costly repairs that should’ve been paid by insurance.

�� What This Means for Texas Homeowners

If you’re a homeowner in Denton, Argyle, or anywhere across North Texas, here’s the reality:

Just because insurance denies your claim doesn’t mean the damage isn’t real.
Minor damage today can turn into major leaks and thousands of dollars in damage later.
Most insurance adjusters aren’t roofing experts—and they often miss or overlook the signs that a trained roofer will immediately catch.

This is where Texas Legacy Roofing and Construction steps in.

�� How Texas Legacy Roofing Protects You and Your Home

We’re a veteran-owned, local company that believes in protecting the people and the homes of our community. When it comes to your roof, we don’t cut corners —and we don’t leave you to battle insurance companies on your own.

Here’s what we do differently:

✅ 1. Detailed Inspections That Tell the Real Story

We don’t just “eyeball” it. We document everything. Our inspections include:

Drone footage and high-res photos of all roof slopes and damage
Identification of hail bruising, granule loss, lifted shingles, and flashing issues
A full damage report written in insurance-friendly language, so there’s no confusion about what’s needed and why

✅ 2. We Help You Navigate the Insurance Process

We’ve worked with hundreds of insurance claims and we know how to communicate with adjusters. If your claim was denied, we can help prepare a reinspection and provide the evidence needed to challenge that denial.

We’ve even worked with attorneys in situations where insurance carriers—especially the usual suspects—refuse to do the right thing.

✅ 3. Quality Craftsmanship and Honest Work

Whether you’re repairing storm damage or replacing your roof completely, our team delivers high-quality, code-compliant work—always backed by transparency and integrity. If you don’t need a new roof, we’ll tell you. But if you do, we’ll walk you through every step so you’re never in the dark.

�� Let’s Talk—Before the Next Storm Hits

With spring and summer storms sweeping across North Texas, now is the time to act. If you’ve experienced:

Leaks or water stains inside your home
Missing or lifted shingles
Granule loss or shingle discoloration
Gutters pulling away or fascia issues

…then you might already have storm damage that insurance should cover—but only if it's properly documented .

�� Contact Texas Legacy Roofing & Construction Today

We’re here to serve Denton, Argyle, and all surrounding areas with trusted, veteran-owned service. Licensed, insured, A+ rated with the BBB—and committed to helping homeowners like you avoid unnecessary costs.

�� Call (817) 668-3951 or email info@texaslegacygc.com to schedule a free inspection.

Let us be your first—and only—call when it comes to protecting your roof and fighting for what’s right.

Why an Impact-Resistant Roof is Better for Your Home

Mon, 09 Jun 2025 14:53:47 GMT

Why an Impact-Resistant Roof is Better for Your Home Than a Standard 30-Year Architectural Shingle

When it comes to roofing materials, homeowners have a wide range of options to choose from. While standard 30-year architectural shingles have long been the go-to choice for many, advancements in roofing technology have led to the development of Class 3 and Class 4 impact-resistant shingles , offering superior protection, longevity, and financial benefits . If you live in an area prone to hailstorms, high winds, or extreme weather , upgrading to impact-resistant roofing is a smart investment.

Understanding Roofing Classifications

Before we dive into why Class 3 and Class 4 impact-resistant shingles are superior, it’s important to understand how roofing materials are classified.

The Underwriters Laboratories (UL) developed a roof impact classification system (UL 2218) to rate roofing materials based on their ability to withstand impact from hail or debris.

Class 1 & 2 – Basic resistance to impact but not recommended for severe weather-prone areas.
Class 3 – Moderate resistance to impact and hail damage.
Class 4 – Highest level of impact resistance, tested to withstand steel ball impacts at 90 mph without cracking.

A standard 30-year architectural shingle , while durable, does not offer the same level of protection as a Class 3 or Class 4 impact-resistant shingle.

1. Enhanced Durability and Longevity

One of the biggest advantages of Class 3 and Class 4 impact-resistant roofs is their superior durability . These shingles are made with rubberized asphalt or polymer-modified materials , which help them absorb impact rather than cracking or breaking.

Standard 30-year architectural shingles tend to crack, break, or lose granules after exposure to severe weather.
Impact-resistant shingles maintain their integrity, reducing the need for frequent repairs or premature replacement.

With their reinforced structure, Class 4 shingles can last significantly longer , sometimes exceeding their warranty period of 40-50 years, compared to the average lifespan of 20-30 years for standard shingles.

2. Superior Protection Against Hail and Extreme Weather

Hailstorms are one of the biggest threats to residential roofing. A Class 3 or Class 4 impact-resistant roof is specifically designed to withstand hail up to 2 inches in diameter , while standard shingles are prone to punctures and fractures.

Class 3 shingles can resist medium-sized hail, making them a solid upgrade over standard shingles.
Class 4 shingles offer the highest level of hail resistance, often surviving storms that would otherwise require roof replacements .

If you live in a hail-prone state like Texas, Oklahoma, or Colorado, having an impact-resistant roof is crucial in preventing costly damage.

3. Increased Wind Resistance

Strong winds can be just as damaging as hail, especially in areas that experience hurricanes, tornadoes, or severe storms.

Standard 30-year shingles can lift or tear away in wind speeds exceeding 70-90 mph .
Class 3 & Class 4 shingles are engineered to withstand wind speeds of 110-130 mph , reducing the risk of shingles flying off during storms.

Because of their superior adhesion and durability, impact-resistant shingles provide a stronger, more secure roofing system .

4. Lower Insurance Premiums

Many homeowners don’t realize that installing impact-resistant shingles can lead to substantial savings on insurance premiums .

Many insurance companies offer discounts of up to 30% for homes with Class 4 impact-resistant roofing .
In hail-prone states, some insurers even require impact-resistant shingles to qualify for coverage.
Unlike standard shingles that often require multiple costly claims , impact-resistant roofs minimize damage, leading to fewer claims and lower premiums over time .

If you’re planning on upgrading your roof, check with your insurance provider to see how much you could save.

5. Reduced Maintenance and Repair Costs

Replacing missing shingles or repairing hail damage can add up quickly. A standard 30-year architectural shingle might look good initially, but frequent maintenance and repair costs can outweigh the upfront savings.

With impact-resistant shingles , you’ll face fewer repair needs over the years, saving you thousands in the long run.
Unlike standard shingles that lose granules quickly , impact-resistant shingles maintain their structural integrity for decades .

6. Higher Home Resale Value

Investing in impact-resistant shingles can increase your home’s value and make it more attractive to potential buyers.

Homebuyers in severe weather areas prioritize durability , and a Class 4-rated roof can make your home stand out in the market .
Some buyers are even willing to pay a premium for homes with impact-resistant roofing because they know it reduces future maintenance and insurance costs.

7. Environmental Benefits

Sustainability is becoming more important for homeowners, and Class 3 and Class 4 impact-resistant shingles contribute to a more eco-friendly home.

Fewer replacements = Less waste – Since impact-resistant shingles last longer , fewer materials end up in landfills compared to standard shingles that need replacing more often.
Many impact-resistant shingles are made from recyclable materials , reducing environmental impact.

8. Stronger Manufacturer Warranties

Because impact-resistant shingles are built to last, manufacturers often provide better warranties than those for standard shingles.

Standard architectural shingles come with a limited 30-year warranty that may not cover hail or wind damage.
Class 4 shingles often come with warranties extending 40-50 years , with some offering hail and wind damage protection .

Is the Upgrade Worth the Investment?

If you’re wondering whether Class 3 or Class 4 impact-resistant shingles are worth the extra cost, the answer depends on your location and risk factors.

If you live in a region with frequent hail, storms, or high winds , the upfront investment pays for itself in reduced repairs, insurance savings, and longevity.
Even in milder climates, impact-resistant roofing adds resale value and peace of mind .

While impact-resistant shingles may cost 10-20% more than standard 30-year shingles upfront, the long-term savings and protection far outweigh the cost .

Final Thoughts

When it comes to protecting your home, upgrading to a Class 3 or Class 4 impact-resistant roof is one of the best investments you can make . Compared to standard 30-year architectural shingles , impact-resistant shingles provide: ✅ Stronger durability and lifespan ✅ Better protection from hail, wind, and extreme weather ✅ Lower insurance premiums ✅ Reduced maintenance and repair costs ✅ Higher resale value ✅ Environmental benefits

If you're considering a roof upgrade , don’t settle for standard shingles. Protect your home with impact-resistant roofing and enjoy peace of mind for decades to come .