Restoration coverage and compliance, built for Texas.

In Texas, the restoration licensing picture and the insurance are tied together, and the details depend on the kind of restoration you do. Here is a plain-language overview of what tends to apply, with the official sources to confirm it.

Contractor and reconstruction licensing

Texas does not have a statewide general contractor license; general construction is licensed locally, while some trades are licensed by the Texas Department of Licensing and Regulation (TDLR). Restoration reconstruction is construction, so if you rebuild what you restore, the same Texas licensing that applies to general construction generally applies to your rebuild work. Verify your situation with TDLR and local authorities.

Mold assessment and remediation licensing

Texas is one of the few states that licenses mold work directly. The Texas Department of Licensing and Regulation (TDLR) administers the Mold Assessors and Remediators program under Chapter 1958 of the Occupations Code, which was updated by Senate Bill 1255 effective September 1, 2025. Under the program, a mold assessment company must have a licensed mold assessment consultant as its responsible person, and a mold remediation company must have a licensed mold remediation contractor as its responsible person. If you perform mold assessment or remediation in Texas, this is the most important state-specific step to get right, because operating outside a required license can create liability and complicate a claim. Confirm your current licensing with the state program before you take mold work.

The EPA lead rule in Texas

Texas does not run its own RRP program, so the federal EPA Renovation, Repair and Painting rule applies directly. Firms doing work that disturbs lead-based paint in pre-1978 housing and child-occupied facilities generally need EPA firm certification and certified renovators, with specific work practices and recordkeeping. Because restoration often disturbs surfaces in older buildings, this can apply to your work, so confirm the requirements with the EPA.

Insuring restoration in Texas

Whatever the licensing picture, insuring a restoration business in Texas comes down to the exposures a generic contractor policy excludes: contaminated water, soot, and mold (pollution), the customer property you handle and store (care, custody, and control), and faulty-work allegations (professional liability). We are independent, so we place those coverages with markets that write restoration and line them up with Texas licensing and any referral requirements.