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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Concepcion

Storm season and hail damage are common in South Texas, and unfortunately, that brings out contractors looking to take advantage of homeowners and business owners in Concepcion. Knowing how to spot a bad actor before you sign a contract can save you thousands of dollars and a lot of headaches. Here's what you need to watch for and how to protect yourself when hiring a roofer in Concepcion.

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Common Residential & Commercial Roofing Scams in Concepcion

Be aware of these tactic used by unlicensed operators

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The Storm Chaser Scam

After a hailstorm or high winds, out-of-town contractors show up in Concepcion door-to-door offering 'free inspections.' They claim your roof has severe damage (often exaggerated or fabricated), pressure you to sign an insurance assignment, and take a large deposit — then disappear before completing the work or after doing shoddy patch jobs.

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The Insurance Deductible Fraud

A roofer offers to 'waive' or 'absorb' your insurance deductible, saying they'll discount the job by that amount. This is illegal under Texas law. They may also inflate their estimate to the insurance company to cover the difference, which constitutes insurance fraud — and you're the one on the hook if caught.

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The No-Bid Change Order Trap

A roofer gives a low initial estimate to win the job, then once work starts, they claim they found 'unexpected damage' and demand thousands more to continue. Since materials are already torn off, homeowners feel trapped into paying inflated prices for work that should have been included.

How to Verify a Professional

1

Insurance

Demand to see certificates of general liability insurance AND workers' compensation coverage before any work begins. Call the insurance carrier listed on the certificate to confirm the policy is active. If a roofer doesn't carry workers' comp, you could be held liable for injuries on your property.

2

Licensing

Texas does not issue a statewide roofing license, but roofers must register with the Texas Department of Licensing and Regulation (TDLR) if they perform work over $5,000. Check registration at tdlr.texas.gov. Also verify that the contractor holds a valid City of Concepcion or Duval County business permit. Ask for their TDLR number and local permit directly.

3

References

Ask for at least three recent references from jobs completed in Concepcion or nearby Duval County communities. Call those homeowners and ask about the quality of work, whether the project stayed on schedule and on budget, and how the roofer handled any issues that came up.

Protection FAQs

Do roofers in Texas need a license?

Texas does not have a statewide roofing license. However, contractors performing work over $5,000 must register with the Texas Department of Licensing and Regulation (TDLR). Additionally, the City of Concepcion and Duval County may require local business permits. Always ask for TDLR registration and a local permit before hiring.

How much should I pay as a deposit for a roofing job?

A reasonable deposit is typically 10% to 30% of the total project cost. Never pay the full amount upfront. Legitimate roofers will structure payments around project milestones, with the final payment due only after the work is completed to your satisfaction and any required inspections have passed.

What should a roofing contract include?

A proper contract should include the full scope of work, specific materials and brands to be used, project timeline with start and completion dates, total cost with payment schedule, warranty details for materials and workmanship, and a clear process for handling change orders. Get everything in writing before signing.

How can I check if a roofer is insured?

Ask for a certificate of insurance directly from the contractor. For both general liability and workers' compensation, call the insurance company listed on the certificate to verify the policy is current and in force. If a roofer hesitates or can't provide proof, that's a major red flag.

What's wrong with a roofer offering to waive my deductible?

It's illegal in Texas for a contractor to waive or pay your insurance deductible. This practice amounts to insurance fraud and can result in your claim being denied, your policy being canceled, or even legal consequences for you. Any roofer offering this is not trustworthy.

Should I get multiple quotes for my roofing project?

Yes. Always get at least three written estimates from different contractors. This helps you understand fair pricing for your area and makes it harder for a bad actor to overcharge you. Be wary of quotes that are significantly lower than the others — that usually means corners will be cut.

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