Do you offer free estimates?

Yes! We provide free, no-obligation estimates for all roofing services. Call us at (956) 600-0501 or visit our contact page to get started.

How long does a roof replacement take?

Most residential roof replacements are completed in 1–3 days, depending on the size and complexity of your roof. We work efficiently while maintaining the highest quality standards.

How long have you been in business?

Baccaro Roofing has served South Texas for over 5 years, with more than 500 completed projects and a 5.0-star rating across our 20+ Google reviews. Ronnie Baccaro is the owner-operator and personally inspects every job. We're built on RGV referrals — most of our work comes from neighbors recommending us.

Do you help with insurance claims?

Absolutely. We have extensive experience working with insurance companies. We'll document the damage, meet with adjusters, and ensure you get the coverage you deserve.

What does a typical roof replacement cost in the RGV?

Most full residential replacements in the Rio Grande Valley range from $8,000 to $18,000, depending on roof size, slope, material (asphalt shingle vs. metal), and decking condition. Use our free Roof Cost Calculator at /roof-cost-calculator for an instant estimate, or call (956) 600-0501 for a no-pressure on-site inspection.

What roofing materials do you use?

We use top-quality materials from trusted manufacturers including architectural shingles, metal roofing, and flat roofing systems. We'll recommend the best option for your home and budget.

What warranty do you provide?

Every new roof comes with the manufacturer's material warranty (typically 30–50 years on architectural shingles, lifetime on metal) plus our 5-year workmanship warranty on installation. If anything fails because of how we installed it, we come back and fix it free. No fine print, no hassle.

Are you licensed and insured?

Yes. Baccaro Roofing is fully insured for general liability and workers' comp, and operates across the Rio Grande Valley with all required local permits pulled on every job. We carry full documentation on every job site and can provide certificates of insurance on request before any work begins.

What areas of the Rio Grande Valley do you serve?

We serve all 45+ cities across the Rio Grande Valley — Hidalgo, Cameron, Willacy, and Starr counties — including McAllen, Brownsville, Edinburg, Pharr, Mission, Harlingen, Weslaco, San Juan, Alamo, and South Padre Island. If you're in the RGV, we'll come give you a free inspection.

Do you work in Spanish too?

Yes — completely. Ronnie and most of the Baccaro crew are native Spanish speakers, and we run the entire job in Spanish if that's what you prefer: inspection notes, written quote, insurance adjuster meeting, daily progress check-ins, final walkthrough. The /techos/ section of our site and our Spanish blog posts are written in native Spanish, not translated. Roofing decisions are too important to lose detail in a language gap. Call (956) 600-0501 and ask for Ronnie en español.

Do you work on commercial roofs?

Yes. Baccaro Roofing handles flat and low-slope commercial systems — TPO, EPDM, modified bitumen, and metal — across the RGV. We work with property managers, HOAs, retail centers, and small industrial clients. Same free inspection policy: we'll diagnose what's wrong and quote it honestly before any contract.

Can I finance my roof?

Yes — financing is available on roof replacements through partner lenders so you don't have to cover the full cost upfront. Most homeowners qualify, the application is quick during your inspection visit, and we don't pull credit unless you ask. Visit baccaro-roofing.com/financing for current options, or just mention it during your free inspection and Ronnie will walk through what fits. No pressure if cash works better for you — we won't push financing on anyone.

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Baccaro Roofing GuideWhy Class 4 Shingles Beat 3-Tab in the Rio Grande Valley

May 4, 20265 min read

3-tab shingles look cheaper on the quote — $7,000 vs $14,000 for a 2,000 sqft RGV home. But once you account for lifespan, insurance discount, and hurricane survivability, Class 4 impact-resistant shingles win on every metric except the upfront sticker price.

The straight comparison

| | 3-tab shingles | Class 4 architectural |
|--|---------------|----------------------|
| Upfront cost | $7,000–$9,000 | $12,500–$16,500 |
| Wind rating | 60 mph | 130+ mph |
| Hail rating | Class 1 (lowest) | Class 4 (highest) |
| Lifespan in RGV | 12–15 years | 22–28 years |
| Texas insurance discount | None | 10–25% off premium |
| Manufacturer warranty | 20–25 years | 30–50 years |
| Re-roof cost over 30 years | ~$14,000 | ~$14,000 (no re-roof) |

The math that matters

For a typical $300,000 RGV home with $2,000 annual homeowners insurance:

3-tab path (30 years): - Roof 1: $8,000 in year 0 - Roof 2: $12,000 in year 14 (inflation-adjusted) - Insurance: $2,000/yr × 30 = $60,000 - Total: $80,000

Class 4 path (30 years): - Roof: $14,500 in year 0 - Insurance: $1,600/yr × 30 (20% discount) = $48,000 - Total: $62,500

Class 4 saves about $17,500 over 30 years despite costing more upfront. The insurance discount alone (~$400/year × 25 years) covers most of the price difference.

Why 3-tab fails in RGV conditions

Heat: RGV summer roof-deck temps can hit 150°F. 3-tab shingles soften and lose granules faster than architectural laminates. Rate of granule loss is ~2× higher.
Wind: 3-tab is rated for 60 mph. Hurricane-spawned wind events in the RGV regularly hit 80–120 mph. A single Cat 1 storm can lift entire courses of 3-tab.
Hail: RGV gets at least 1–2 hail events per spring. 3-tab cracks easily; Class 4 absorbs the impact and recovers.
UV: South Texas UV degradation accelerates 3-tab failure by 30–40% vs milder climates.

Why Class 4 wins

Polymer or fiberglass-reinforced mat survives UL-2218 Class 4 hail testing — golf-ball-size hail at 90 mph without cracking.
Sealed laminate construction resists wind uplift to 130+ mph with proper 6-nail installation.
Algae resistance built into most Class 4 products — 25–30 year algae warranty common.
Insurance discount stackable in Texas — most major carriers (State Farm, Allstate, USAA, Farmers) offer 10–25% off the dwelling premium.

When 3-tab still makes sense

There are two scenarios:

You're selling the home within 5 years. 3-tab passes most insurance underwriting and gets you out the door. Buyer pays for the next roof.
It's a rental property where you're maximizing cash flow over 10–12 years before re-roofing.

In every other RGV scenario, Class 4 is the smarter choice.

How to claim the insurance discount

After install, your contractor provides a manufacturer Class 4 product certificate. Bring this + your install invoice to your insurance agent. Ask: "I installed UL-2218 Class 4 impact-resistant shingles. What's the discount?"

Most agents apply it on next renewal. Some apply retroactively for the current term. Don't wait — many homeowners who paid for Class 4 never claim the discount.

What we recommend

For 9 out of 10 RGV homeowners, GAF Timberline HDZ with StainGuard Plus or Owens Corning Duration Storm (both Class 4) are the right answer. Both qualify for major-carrier discounts, both rated to 130 mph, both 30+ year warranties.

We're authorized installers for both manufacturers. Bring your insurance declarations page to your free estimate and we'll pre-calculate your discount before you commit.