Texas Roofing Workers Comp Rates 2026: NCCI Class, Cost

Roofing workers comp in Texas 2026. NCCI class code, rate per $100 of payroll, annual cost estimator.

Texas Roofing Workers Comp Rates 2026

Roofing workers comp in Texas 2026. NCCI class code, rate per $100 of payroll, annual cost estimator.

Roofing workers comp in Texas

  • NCCI class code: 5551
  • NCCI description: Roofing - All Kinds & Drivers
  • Estimated Texas rate: $15 - $34 per $100 of payroll
  • State system: Texas uses the private carrier market.

Roofing workers comp rates are driven by claim history, payroll size, and safety record. Quotes from carriers will vary 20-40% based on these factors.

How Texas calculates Roofing premiums

Premium = (Class rate / 100) × Payroll × Experience Mod (EMR).

Example: A Texas Roofing contractor with $300K annual payroll at the mid-point of $15 - $34 per $100 payroll pays approximately $73,500 annually before EMR adjustment. Safety record can cut this by 25% or add 25-50%.

What affects Texas Roofing rates

  • Experience Modification Rate (EMR) - past 3 years of claims drives this
  • Payroll size - discounts kick in at $50K+ premium
  • Safety program documentation - OSHA logs, training records
  • Drug testing program - many Roofing carriers offer credit
  • Subcontractor controls - proper certs of insurance for subs

Texas workers comp authority

Texas uses the open market - shop multiple carriers.

How roofing businesses actually lower workers comp in Texas

The Texas roofing business owner who treats workers comp as a fixed cost overpays by 15 to 40 percent every year. The owner who actively manages experience modification rate, payroll classification, and certificate-of-insurance compliance pays the lowest rate their NCCI code allows. Most roofing owners do not realize how much of their premium is controllable.

The single largest lever is the Experience Modification Rate (EMR). Calculated from three years of claim history, EMR is a multiplier applied to the manual premium. A clean three-year record drives EMR below 1.0 and saves real money; one bad claim in those three years can push EMR above 1.5 and add 30 to 50 percent to premium. The discipline is to prevent claims rather than respond to them, and the way to prevent claims is the safety program that most roofing contractors say they have but few actually document.

  • Safety program documentation. Written safety policy, weekly toolbox talks, documented training per employee, and OSHA 300 log maintained. Carriers offer credits of 5 to 15 percent for documented programs.
  • Drug-free workplace. Pre-employment, post-incident, and random testing. In most Texas jurisdictions this earns a 5 to 10 percent premium credit and reduces claim severity.
  • Subcontractor certificate management. Every sub must provide a current certificate of insurance. The sub without coverage gets classified as the GC employee for workers comp purposes, which can blow up the audit.
  • Proper payroll classification. Office staff at roofing rates costs three to five times what it should. Audit-time reclassification can save real money if the records support it.

What the annual workers comp audit looks for in Texas roofing businesses

Every workers comp policy is audited annually. The carrier auditor wants three things: actual payroll versus estimated payroll, proper classification of each employee, and proof that each subcontractor carried their own coverage. The Texas roofing owner who is sloppy on any of these three can face an audit bill that triples the original premium.

The owner who runs clean records (payroll by employee, classification per employee, current COI per sub) breezes through the audit with a small refund or a small bill. The owner who runs disorganized records faces an estimated audit with worst-case assumptions that add 30 to 60 percent to the original premium. The hours spent maintaining records during the year save days of pain at audit time and thousands of dollars in unexpected charges.

Texas roofing workers comp by NCCI code 5551 (roofing) versus 5474 (painting) versus 5183 (plumbing) versus 5538 (sheet metal HVAC)

Workers comp rates vary enormously by trade because injury frequency and severity vary enormously by trade. Roofing (NCCI 5551) runs the highest rates because of fall exposure. Painting (NCCI 5474) is lower because painting is less injury-prone. Plumbing (NCCI 5183) runs in the middle. HVAC sheet metal (NCCI 5538) is also middle-range. The roofing business running NCCI 5551 can compare their rate against trade benchmarks to validate that their carrier is competitive.

The Texas business owner who runs multiple trades under one EIN needs to manage payroll classification carefully. A single roofing crew working under a plumbing umbrella creates audit risk and unfair premium. Splitting payroll by class code accurately is the discipline that protects margin year after year.

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Conditions du marché de Texas pour les entrepreneurs en roofing

Le Texas est le deuxième plus grand marché de construction du pays. La région de Houston-Galveston est énorme grâce au pétrole et au gaz, à la santé (Texas Medical Center) et à la croissance. Dallas-Fort Worth concentre des sièges d'entreprises Fortune 500 (Toyota, AT&T). Austin vit un essor technologique (Tesla, Oracle, Apple). San Antonio se démarque dans le militaire et la santé. Les plus grands marchés de roofing en Texas sont Houston, Dallas, Austin, San Antonio, Fort Worth, El Paso. La présence syndicale dans l'État est faible, et la plupart des travaux sont soumissionnés aux taux du marché libre.

Comment la saison de Texas influence les travaux de roofing et les prix

La construction au Texas fonctionne toute l'année dans des climats très variés: ouragans dans le golfe de Houston (juin-nov), saison des tornades au printemps à Dallas-Fort Worth, chaleur estivale à Austin et désert à El Paso. La croissance démographique (plus de 500 000 personnes par an) crée une demande énorme et soutenue. La reconstruction après les ouragans à Houston (Harvey en 2017, Beryl en 2024) crée des chantiers de plusieurs années. La haute saison de construction va de Toute l'année, moment où le calendrier de roofing se resserre et les soumissions se confirment. Réserver hors de cette période signifie souvent de meilleurs prix et un meilleur suivi.

Climat d'assurance et de réclamations pour les entrepreneurs en roofing en Texas

Le Texas a un paysage d'assurance particulier. Le Département des assurances du Texas réglemente fermement. La TWIA est l'assureur de dernier recours sur la côte. Après les tempêtes nommées, l'activité des entrepreneurs opportunistes est intense. La réforme AOB (HB 1774) limite la cession des réclamations.

Notes du code du bâtiment de Texas qui touchent les travaux de roofing

Il n'y a pas de code du bâtiment étatique; chaque municipalité adopte le sien. Les comtés côtiers exigent une résistance au vent renforcée (130 à 150 mph). La région de Houston a des exigences supplémentaires liées à la côte du golfe.

Règles propres aux entrepreneurs de Texas

  • Il n'existe pas de licence d'entrepreneur général au niveau de l'État, ce qui est inhabituel
  • Le TDLR licencie la plomberie, l'électricité et la climatisation
  • Chaque ville fixe ses propres règles (Houston, Dallas, Austin et San Antonio diffèrent)
  • Les règles de préavis mensuel pour privilège de constructeur sont complexes (réforme HB 2237 de 2022)
  • Aucun impôt étatique sur le revenu
  • Fonds de vents côtiers TWIA

Related Texas Roofing pages