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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Campbellton, TX

After a storm or when your roof starts showing its age, it's tempting to jump at the first roofer who knocks on your door or offers a quick fix. Unfortunately, that urgency is exactly what scammers prey on. Knowing what to look for before you hire can save you thousands of dollars and endless headaches. Here's how to spot the bad actors and find a roofing professional you can actually trust in Campbellton.

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Common Residential & Commercial Roofing Scams in Campbellton

Be aware of these tactic used by unlicensed operators

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The Storm Chaser Scam

Out-of-town roofers swarm Campbellton after a hailstorm or high winds. They knock door-to-door offering free inspections, claim they see damage you can't, pressure you to sign over your insurance claim, then do shoddy work or disappear before the job is done.

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The Upfront Payment Trap

The roofer demands 50% or more of the total cost before they start. They cash the check, buy cheap materials, start the tear-off, then walk off the job. You're left with a half-stripped roof and no way to reach them.

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The Insurance Fraud Pitch

A roofer tells you they'll cover your deductible or offers to "waive" it. They inflate the damage estimate to the insurance company to make up the difference. This is insurance fraud and you could be held legally responsible.

How to Verify a Professional

1

Insurance

Ask for a certificate of insurance directly from their insurance provider — not just a paper copy they show you. Call the insurance company to verify it's current. They need both general liability and workers' compensation insurance to protect you if someone gets hurt on your property.

2

Licensing

Texas does not have a statewide roofing license, but Campbellton is in Atascosa County where contractors should carry appropriate local permits. Ask for their Texas Department of Insurance registration if they handle insurance claims, and verify their business registration with the Texas Secretary of State.

3

References

Ask for at least three recent local jobs they've completed in or near Campbellton. Call those homeowners and ask: Did the crew show up on time? Were there surprise charges? Did they clean up properly? Also check online reviews on Google and the Better Business Bureau.

Protection FAQs

How can I tell if a roofer is licensed in Campbellton, TX?

Texas does not issue a statewide roofing license, but legitimate roofers register with the Texas Secretary of State and carry a Texas Department of Insurance (TDI) registration number if they handle claims. Ask for their TDI number and verify it online. Also check that they have proper local business permits for Atascosa County.

What payment terms are normal for a roofing job in Campbellton?

A trustworthy roofer will ask for 10-15% down at most, or the cost of ordered materials. Payment should be tied to milestones — like after the tear-off, after installation, and after final inspection. Never pay the full amount upfront or in cash.

Is it normal for a roofer to knock on my door after a storm?

It's common, but proceed with extreme caution. Many storm chasers are from out of town and will leave after cashing your insurance check. Ask for local references, verify their business address, and always get multiple quotes before signing anything.

What should I look for in a roofing contract?

A solid contract includes: the full scope of work, specific materials and brands, start and completion dates, payment schedule, cleanup plan, and warranty details for both materials and labor. If the contract is vague or handwritten, that's a red flag.

How do I check a roofer's insurance coverage?

Ask for a certificate of insurance emailed directly from their insurance agent. Call the agent listed to verify the policy is active. Make sure it covers both general liability (at least $1 million) and workers' compensation. If they don't have workers' comp, you could be liable for injuries on your property.

What should I do if I think I've been scammed by a roofer in Campbellton?

Stop all payments immediately. Contact the Atascosa County Sheriff's Office or Campbellton local law enforcement. File a report with the Texas Attorney General's Consumer Protection Division and the Better Business Bureau. Also notify your insurance company and document everything in writing.

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Licensed & insured professionals CALL NOW: 1-866-674-2070