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Which side of the county line is your house on?

It decides whether the roof needs a windstorm certificate. Start there, then pick the job.

Galveston CountyLeague City, Friendswood south of Clear Creek, Dickinson, Kemah, Clear Lake Shores, Bacliff, San Leon, Santa Fe Harris CountyClear Lake City, Nassau Bay, Webster, El Lago, Taylor Lake Village — and Seabrook, the exception
What gets fixed

Roofs and Walls, Six Jobs That Come Up Most

Roofing

Wind and Tornado Damage

Creased tabs, a torn ridge, a missing course, and whether it is repair-sized or certificate-sized.

Re-Roof to Windstorm Code

Built to the code TDI applies now, not the one the builder used.

Roof and Leak Repair

Flashing at second-story walls, boots, valleys, the 100-square-foot line.

Siding

Fiber-Cement Repair

Cracked planks, open butt joints and failed caulk on newer houses.

Hardboard Replacement

Swollen, soft lap siding on older Clear Lake houses.

Siding After Wind

Torn sections, trim and fascia pulled loose by a gust.

Also: architectural shingle, standing-seam metal, inspections before a sale and gutters and downspouts.

January 24, 2023

An EF3 tornado crossed southeast Harris County. The National Weather Service survey put its peak winds at an estimated 140 mph along an 18.7-mile path, up to 1,000 yards wide, that ran from near Pearland at 2:15 p.m. to near Baytown at 2:50 p.m. Most of the damage was in Pasadena and Deer Park, a few miles north of Clear Lake.

It is the reason this site talks about wind before it talks about shingles. Eighteen months later, Hurricane Beryl came ashore near Matagorda as a Category 1, and NWS Houston logged gusts of 52 mph at League City, 73 mph at Webster and 75 mph at Clear Lake Park on the morning of July 8, 2024.

Twelve areas, two rules

Pick Your City, and the Rule Comes With It

Galveston County — TWIA first-tier

A re-roof, or a repair to a significant portion of a roof, is built to TDI’s adopted windstorm code and inspected for a certificate of compliance.

Harris County — outside TWIA except east of SH 146

No windstorm certificate for most of Clear Lake. Seabrook is the exception: TDI lists it among the Harris County cities east of the highway that are inside the program.

Friendswood gets both columns because the county line runs through it. The county line page goes through the boundary street by street where the sources allow, and says where they do not.

Asked around the lake

Four Questions Worth Settling First

  1. I bought in Tuscan Lakes with a TWIA policy. Does a small roof repair need an inspection?

    Maybe not. The Texas Department of Insurance lists roof repairs of less than 100 square feet that do not involve decking among the jobs that do not need a windstorm inspection. Past that size, or once decking is replaced, the repair is inspected like a re-roof. TWIA’s own wording is “repairing a significant portion of a roof.”

  2. I live in Nassau Bay. Why does this site keep saying the rule does not apply to me?

    Because it does not. TWIA covers Harris County only east of State Highway 146, and TDI’s program names the Harris County cities it reaches: La Porte, Morgan’s Point, Pasadena, Seabrook and Shoreacres. Nassau Bay, Webster, El Lago, Taylor Lake Village and Clear Lake City are not among them.

  3. Who signs off on a windstorm roof, the roofer?

    No. The contractor builds to the code. A TDI windstorm inspector or a TDI-appointed Texas licensed professional engineer inspects the work, and the certificate comes from the Texas Department of Insurance. A roofer cannot issue one.

  4. Is hail the big risk here?

    This site’s storm pages are about wind: Gulf systems, the tornadoes they spin off, and the gusts behind a front. It does not quote a hail record for Galveston County, because none has been pulled from NOAA’s storm database for this site. If hail is what you have, the inspection page covers it the same way.

Every question, numbered →

Tell Us the City and What the Roof Is Doing

Name the city or subdivision and what you are seeing. A local contractor who knows which rule applies to your address calls back.

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