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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Cost, TX

Roofing scams spike after storms, and Cost, TX is no exception. Whether you need storm damage repairs or a full replacement, knowing how to spot bad actors can save you thousands. Here’s how to protect yourself and your home.

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Common Residential & Commercial Roofing Scams in Cost

Be aware of these tactic used by unlicensed operators

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The Storm Chaser Scam

Out-of-town contractors swarm Cost after a hailstorm or high winds. They offer a “free inspection,” claim you have severe damage, and pressure you into signing an insurance assignment before letting you get other quotes. They often do shoddy work and disappear once paid.

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The Insurance Deductible Fraud

A roofer offers to “waive” or “pay” your insurance deductible as a “special deal.” This is illegal in Texas and is a form of insurance fraud. It often leads to inflated claims, policy cancellation, or even legal trouble for the homeowner.

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The Low-Ball Bid and Change Order Trap

A roofer gives you a bid that is significantly lower than everyone else to win the job. Once work starts, they “discover” unexpected damage and hit you with expensive change orders. You're already committed, so you end up paying far more than the original quote.

How to Verify a Professional

1

Insurance

Ask for a certificate of general liability insurance and workers' compensation insurance. Call the insurance agency listed on the certificate to confirm the policy is active and covers the roofer, not just a middleman.

2

Licensing

Texas does not issue a statewide roofing license, but roofers must register with the Texas Department of Insurance (TDI) if they require a deposit or payment over $3,000. Check TDI’s online license lookup tool to confirm their registration. Also verify any required local permits through Gonzales County.

3

References

Ask for at least 3 recent roofing jobs in or near Cost. Contact those homeowners directly. Ask about cleanup, timeline, communication, and whether any unexpected costs popped up. Also check Google Reviews, the BBB, and local Gonzales County community Facebook groups.

Protection FAQs

Do roofers need a license in Texas?

Texas does not have a statewide roofing license, but roofers must register with the Texas Department of Insurance (TDI) if they require a deposit or total payment over $3,000. Some cities and counties have local requirements, so always check with Gonzales County for any local permitting rules.

How can I tell if a roofing company is legitimate in Cost?

Look for a physical local address, active insurance coverage, TDI registration, and verifiable references from recent jobs in the area. Legitimate roofers don’t need to pressure you into same-day decisions and will provide clear, written estimates.

What should I do if a roofer knocks on my door after a storm?

Do not sign anything. Thank them, take their information, and tell them you’ll be getting multiple quotes. Legitimate contractors respect that process. Storm chasers will often push you to act immediately — that’s your biggest red flag.

Is it normal to pay a deposit before roofing work starts?

A small deposit (10-15%) for materials is not unusual, but be very wary of anyone demanding 50% or more upfront. In Texas, if the total is over $3,000, the roofer must be registered with TDI. Never pay in cash and never pay the full balance before work is complete.

How do I report a roofing scam in Texas?

Contact the Texas Department of Insurance at 1-800-252-3439 or file a complaint online. You can also report to the Gonzales County Sheriff’s Office and the Better Business Bureau. Keep all contracts, photos, and payment records.

What’s the difference between a manufacturer warranty and a workmanship warranty?

A manufacturer warranty covers defects in the shingles themselves (usually 20-30 years). A workmanship warranty covers installation errors by the roofer (typically 1-10 years). Both should be provided in writing. A trustworthy roofer will stand behind their work with at least a 2-5 year workmanship warranty.

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