Roof financing
0% for 18 months
Wells Fargo Bank N.A. and Service Finance (Truist) — both banks, not brokers. 8.99% over 70 months, 9.99% over 120. Subject to credit approval. Rates published in full, which almost nobody does.
See every rate →
Clear Lake · League City · Friendswood · Seabrook · Kemah
Roofing Contractor for Clear Lake & the Bay Area
The windstorm line runs straight through this area. Galveston County and everything east of Highway 146 needs a WPI-8 certificate or TWIA will not cover the roof. Clear Lake City and Webster do not. Most roofers here do not know which side of the line you are on.
Repairs from $195 with all 33 prices published, replacements $8,000 to $20,000, 0% financing for 18 months, and a free inspection with photographs of everything we find.
Ike came ashore here. Wind is the peril in the Bay Area, not hail — which is why the ridge cap and the starter strip decide whether a roof holds, and why the windstorm inspector checks exactly those two things.
Published, not quoted on request
Roofing Services and Financing in the Bay Area
Almost no roofer publishes what anything costs, or what the financing actually charges. We publish both.
Roof repair
from $195
Pipe boots $225, ridge vent $350, flashing $1,200–$1,500. Typical single-issue $350–$900; storm work $900–$2,500.
All 33 repairs, priced →Roof replacement
$8,000–$20,000
Four packages, $325–$650 per square, with the WPI-8 inspection scheduled first where it is required. First five sheets of decking free.
Four packages, priced →WPI-8 windstorm certificate
Arranged with the job
Required in Galveston County and east of Highway 146. It cannot be issued after the shingles go on.
How replacement works →Free inspection
Free
Every slope photographed, attic checked where there is access, no hammer on the roof.
What an honest inspection is →Emergency repair
2–4 hours
365 days a year, no out-of-hours surcharge.
Emergency response →Hurricane damage
Free inspection
Ike came ashore here. Wind damage starts at the ridge cap and the starter strip.
Should you file, and what to check →TWIA & insurance claims
We document, you file
Every TWIA policy requires a storm-created opening before interior damage is covered. We photograph, write the scope and meet your adjuster on the roof.
How Texas claims work →Class 4 impact-rated
Standard on approved claims
GAF Timberline UHDZ with the Golden Pledge at no upgrade cost on an approved claim.
What Class 4 actually means →Attic ventilation
$150 per O'Hagin vent
Bay Area humidity plus a 140°F attic is how decking rots from underneath.
Why it decides roof life →Gutters
$9.99–$13 per foot
5-inch or 6-inch seamless, 3″×4″ downspouts on every job.
Sizing and what it costs →Commercial
Free assessment
Retail and office along NASA Parkway and the I-45 corridor, plus marina and waterfront properties.
Commercial roof repair →Starting points, not quotes. Pitch, access, layers and what is under the shingles all move the number. We inspect free, show you photographs, and put the real figure in writing before anything begins. Nothing upfront — 50% when the crew arrives, 50% on completion.
The line most roofers here get wrong
Which Side of Highway 146 Is Your Roof On?
Galveston County and Harris County east of 146 need a WPI-8 windstorm certificate. Clear Lake City and Webster do not. Get it wrong and TWIA does not cover the roof — and the certificate cannot be issued after the shingles go on.
Clear Lake City & Webster
No WPI-8 neededHarris County · west of 146
Clear Lake City, Webster, Nassau Bay and the NASA Parkway corridor. West of Highway 146 in Harris County, so no WPI-8 is required — your wind coverage is on the standard homeowner policy. 1960s and 70s NASA-era housing through to newer infill.
- Clear Lake City
- Webster
- Nassau Bay
- Bay Knoll
- El Dorado
- Camino South
- Brook Forest
Seabrook, El Lago & Taylor Lake
WPI-8 requiredHarris County · east of 146
Seabrook, El Lago, Taylor Lake Village and Timber Cove. East of Highway 146, which puts them in windstorm territory — a WPI-8 certificate is required if the wind coverage is through TWIA. Waterfront exposure, and Ike came through here.
- Seabrook
- El Lago
- Taylor Lake Village
- Timber Cove
- El Jardin
League City & South Shore
WPI-8 requiredGalveston County
League City, South Shore Harbour, Bay Ridge and the Highway 96 corridor. All of Galveston County is first-tier TWIA territory, so every roof needs the WPI-8. The fastest-growing part of the Bay Area, and a lot of these roofs are hitting fifteen years together.
- League City
- South Shore Harbour
- Bay Ridge
- Magnolia Creek
- Westover Park
- Victory Lakes
Kemah, Bacliff & the waterfront
WPI-8 requiredGalveston County
Kemah, Clear Lake Shores, Bacliff, San Leon and Bayview. Waterfront, first-tier, and the most exposed roofs in the whole area. Salt air, direct wind and no shelter. WPI-8 required, and it matters more here than anywhere.
- Kemah
- Clear Lake Shores
- Bacliff
- San Leon
- Bayview
Friendswood & Dickinson
Depends on the addressSplit counties
Friendswood straddles the Harris and Galveston county line, so whether you need a WPI-8 depends on which side of the line your house is on — and plenty of homeowners here do not know. Dickinson is entirely Galveston County, so yes.
- Friendswood
- Dickinson
- Forest Bend
- Heritage Park
- Autumn Creek
La Porte & Shoreacres
WPI-8 requiredHarris County · east of 146
La Porte, Shoreacres and Morgan's Point. East of Highway 146, so windstorm territory despite being in Harris County. Older housing stock, industrial neighbors, and full bay exposure.
- La Porte
- Shoreacres
- Morgan's Point
- Bayport
- Lomax
Not sure which side you are on? Tell us the address when you call and we will tell you before we quote — it changes what the job involves and what it costs. We do not work Galveston Island, and we will say so rather than take the job and subcontract it.
The warranty question nobody asks until the claim
No Maximum Wind Speed — But Only If the Roof Is Built for It
GAF's WindProven™ Limited Wind Warranty carries no maximum wind speed limitation for fifteen years. On Galveston Bay that is the only wind warranty worth having. It costs nothing extra and needs no registration — but it does not come automatically, and most roofs never qualify for it.
What the roof must have
- Timberline shingles with LayerLock®Not any GAF shingle — only the LayerLock-labeled ones
- GAF roof deck protectionGAF-branded, not a generic synthetic underlayment
- GAF starter stripAt the eaves and the rakes. Not cut shingles
- GAF ridge cap shinglesThe high-profile product, not cut 3-tab
- GAF leak barrier or attic ventilationOne or the other, both GAF
- Six nails per shingleTo the specified pattern — part of Special Installation
All six. Miss one and the roof does not qualify.
What happens without it
130 mphwith Special Installation
110 mphwithout it
Same fifteen years. Same shingle on the surface. A different warranty underneath — and on the Gulf Coast, 130 mph is a number a hurricane can pass.
A contractor can promise you the unlimited warranty and still not install the system that earns it. Nothing stops them saying it. The homeowner finds out at the claim, which is the worst possible moment to find out.
One question that settles it
“Which four GAF accessories are you installing?”
Ask whoever is quoting you. If they cannot name them, the warranty they are describing is not the warranty you will get. Ask for it in writing on the estimate, as line items — not as a sentence about coverage.
We build every roof to the qualifying specification and put each component on the estimate by name. On a coastal job it is the same six-nail ring-shank pattern the windstorm inspector checks anyway.
The WindProven™ remedy is the reasonable cost of replacing blown-off or damaged shingles and hand-sealing any that have not sealed. Wind warranty coverage runs fifteen years. Hail, impact and damage from falling objects are not manufacturer warranty items — those are an insurance claim. See the GAF Roofing System Limited Warranty for complete coverage and restrictions.
Checkable, not claimed
Do Not Take Our Word For It
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What Bay Area homeowners say ↓
Common questions
Roofing in the Bay Area, Answered
Does my Bay Area roof need a WPI-8 windstorm certificate?
It depends which side of Highway 146 you are on. All of Galveston County — League City, Kemah, Dickinson, Bacliff, San Leon, Clear Lake Shores — is first-tier TWIA territory, so yes. Harris County east of 146 — Seabrook, La Porte, Shoreacres, Morgan's Point — also yes. Clear Lake City, Webster and Nassau Bay do not need one. Friendswood straddles the county line, so it depends on the address. Tell us the address and we will tell you before we quote.
Do you offer roof financing in the Bay Area?
Yes — 0% for 18 months, or 8.99% over 70 months and 9.99% over 120, through Wells Fargo Bank N.A. and Service Finance (Truist). Both are banks, not brokers. Subject to credit approval. We publish every rate, which almost no roofer does.
Do you work on Galveston Island?
No, and we will tell you that rather than take the job and subcontract it. The island is a long way from our crews and the permitting there is a different process again. We cover the mainland Bay Area — Clear Lake, League City, Friendswood, Seabrook, Kemah, Dickinson, La Porte and everything between.
What does a roof replacement cost in Clear Lake or League City?
$8,000 to $20,000 across four packages at $325–$650 per square, plus the WPI-8 inspection fee where it is required. First five sheets of decking free, $90 after. Nothing upfront — 50% when the crew arrives, 50% on completion, and financing available on all of it.
How is a TWIA claim different from a homeowner claim?
TWIA covers wind and hail only, with its own deductible — typically a percentage of dwelling coverage — and every TWIA policy requires a storm-created opening before interior water damage is covered. Your homeowner policy handles everything else. After a hurricane you may have two claims with two carriers.
Is salt air a problem for roofs in Kemah and Bacliff?
For the metal, yes. Fasteners, flashing, vents and gutters corrode faster within a mile of open water. Shingles themselves cope, but the metal around them is what fails first — which is why we use hot-dip galvanized ring-shank nails everywhere and check the soft metals on every waterfront inspection.
How fast can you reach the Bay Area for an emergency?
2 to 4 hours, 365 days a year, no out-of-hours surcharge. Say which room when you call and whether water is still coming in — we tarp first and repair once the roof is dry.
Book a free roof inspection in the Bay Area
Every slope photographed, no hammer on the roof, and a straight answer about whether you need a WPI-8. Including when the finding is that your roof is fine.
JC&C Roofing Company · 1431 Graham Dr #266, Tomball, TX 77375
Satellite office: 1220 Blalock Rd #345, Houston, TX 77055 · (281) 498-7663
hello@jccroofing.com