Texas roofing supplement law (2026)

Texas does not have a strict statutory matching law, but TDI Bulletin B-0026-04 directs carriers to provide a 'reasonable match' for repairs. In practice this means a full slope replacement when a partial repair would create a visibly different roof.

Texas allows both ACV and RCV policies. Most homeowner policies are RCV with a depreciation holdback released upon completion of repairs and submission of final invoice.

Carriers may withhold recoverable depreciation until repairs are completed. Submit certificate of completion + final invoice within 180 days of the ACV payment to release depreciation.

2 years from the date of loss to file suit under the Texas Insurance Code §541. Supplement requests should be filed in writing within 30 days of receiving the carrier's scope.

Public adjusters must be licensed by TDI. Roofing contractors cannot adjust claims unless separately licensed — but they CAN write supplements as part of the repair process.

Texas adopts the 2021 IRC. Carriers must pay for code-mandated upgrades (decking re-nail per R908.3, drip edge per R905.2.8.5, ice & water in applicable counties) when the policy includes Ordinance & Law coverage — which most policies do by default.