Homeowner FAQs

Roofing and Insurance FAQs for Colorado and Texas Homeowners

Who we are, how roof insurance claims work, what local code requires, and what a roof costs. Each answer links to the full guide.

Free Inspection (719) 488-2800

Veteran-owned Family-run since 1990 650+ Google reviews

Key numbers

Texas had the third most expensive average homeowners insurance premium in the U.S. in 2022, at $2,397, versus a U.S. average of $1,569 (Insurance Information Institute (Triple-I) (reporting NAIC; Texas data from Texas Department of Insurance), 2022).

637,977	Texas had 637,977 hail loss claims from 2017 to 2019, the most of any state and about 23% of the 2,769,362 U.S. total, per the National Insurance Crime Bureau. Source: Claims Pages (reprinting National Insurance Crime Bureau release; ISO ClaimSearch data), 2017-2019
8,233,096	Texas had 8,233,096 active homeowners insurance policies in 2025. Source: Texas Department of Insurance, 2025

These roofing and insurance FAQs are short, straight answers to what Colorado and Texas homeowners in Colorado Springs, Denver and Austin ask us most: who we are, how a roof insurance claim works, what local code requires, and what a roof costs. Each topic below links to the full guide, and the quick answers are at the bottom of the page. If your question is not here, call the office for your market and a person will answer it.

About Integrity Roofing and Painting

Integrity Roofing and Painting is veteran-owned and family-run since 1990. Jerry Fristoe started the business in 1990, and the family opened its first Front Range office in 2009. Today we have offices in Colorado Springs, the Denver area (Centennial) and Austin. We are an Owens Corning Platinum Preferred contractor with 650+ Google reviews. Read more about us and what a free inspection includes.

Roof insurance claims

Most of the questions we get are about claims. The short version: the claim is yours, the adjuster decides what the policy pays, and a roofer’s job is to document the damage and make sure nothing gets missed in the scope. The full guides:

Codes, permits and materials

Roof rules are set by the local building department, and they differ more than most homeowners expect. In El Paso County, PPRBD requires a permit for any roof repair or replacement over 100 square feet and a full tear-off of old layers before new asphalt shingles. Denver and each metro town set their own triggers, and inside Austin city limits a like-for-like shingle replacement is usually permit-exempt. Start with Colorado Springs roofing codes, Denver roof replacement or Austin roofing services. For materials, compare Class 4 impact-resistant shingles.

Costs and financing

We price every job after an inspection and present Good, Better and Best options with upfront pricing. For local ranges, see the Colorado Springs roof replacement cost guide, and to understand a bid, read how to read a roofing estimate. Financing is available; see Colorado Springs roof financing.

How we work

Every job follows the same six steps: a free inspection scheduled the same business day you call, a thorough inspection with photos, an honest assessment with options, a written contract and claim documentation if you are filing, installation to manufacturer specifications, and a final walkthrough with warranty registration. Call (719) 488-2800 in Colorado Springs, (303) 209-0152 in the Denver area, or (512) 610-5897 in Austin.

Sources: PPRBD Reroofing Guidelines; City of Austin, Work Exempt from Building Permits; Texas Department of Insurance, Home insurance guide; C.R.S. 6-22-105; TDI, Roofing and insurance: know the law.

Our Offices

Frequently Asked Questions

Where does Integrity Roofing and Painting work?

In three markets: Colorado Springs and the Pikes Peak region from our office at 115 N Union Blvd, the Denver metro from our Centennial office, and Austin and Central Texas from our office on W US Hwy 290. Each market has its own phone line and service-area page.

Is Integrity a local roofing company or a storm chaser?

Local. We are veteran-owned and family-run since 1990, and we have had a Front Range office since 2009. We keep permanent offices in all three markets, so we are here before the storm season and after it, when warranty questions come up.

Are you licensed and insured?

Yes. Licensing for roofers is set locally, so check with your building department: in El Paso County you can look up a contractor's PPRBD license online, and Denver and each metro city keep their own contractor licenses or registrations.

Do you work with my insurance company?

We work with homeowners insured by any company. The claim stays between you and your insurer. We inspect, photograph the damage, meet the adjuster if you want us there, and make sure nothing gets missed in the scope.

Who pays the deductible on a roof insurance claim?

You do. It is your share of the claim, set when you bought the policy. In Colorado and Texas it is illegal for a roofer to pay, waive or rebate it, and any roofer who offers to is inviting you into insurance fraud.

Will filing a hail claim raise my insurance premium?

It depends on your insurer and state. In Texas, the Department of Insurance's guide says a company can raise your rates if you file two or more non-weather claims, and may non-renew after three or more non-weather claims in three years. Ask your agent how your company treats a weather claim before you file.

How fast will someone get back to me?

The same business day. A Client Solutions Representative confirms a time and researches your property before the inspection, so they arrive prepared.

Do I need ice and water shield on my roof?

In El Paso County, PPRBD requires an ice barrier on homes above 7,000 feet, running from the eave to at least 24 inches inside the exterior wall. Below that, and in Denver and Austin, rules differ by city, so the requirement is set by your building department.

What will a new roof cost?

It depends on size, pitch, tear-off layers, decking and the material you choose. We present Good, Better and Best options with upfront pricing after the inspection, and our cost guides give local ranges.

Do you offer roof financing?

Yes. Financing is available for replacements, upgrades and the part an insurance claim does not cover. Ask your representative for options after you have a written estimate.

Make Sure Nothing Gets Missed in Your Claim Scope

We inspect and photograph every bit of damage so you can see exactly what belongs in the scope of your claim. We'll reach out the same business day.

Veteran-owned Family-run since 1990 Owens Corning Platinum 650+ Google reviews No obligation Financing available

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