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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Cumby, TX

Your roof is one of the most important investments you'll make for your home or business. Unfortunately, storm chasers and unlicensed operators often target Cumby and Hopkins County residents after bad weather. Knowing the warning signs can save you thousands of dollars and years of frustration. Here's how to spot a roofing scam before you get burned.

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Common Residential & Commercial Roofing Scams in Cumby

Be aware of these tactic used by unlicensed operators

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The Storm Chaser Scheme

Out-of-town contractors swarm Cumby after a hailstorm or high winds, going door-to-door offering free inspections. They claim to find "hidden damage," pressure you to sign an insurance assignment, and often do shoddy work or disappear before the job is done.

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The Deductible Fraud Trap

A roofer offers to cover your insurance deductible or issues a fake invoice showing you paid it. This is insurance fraud — it's illegal in Texas and can get your claim denied or even result in policy cancellation.

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The Upfront Payment Disappearing Act

The contractor demands 50% or more upfront to "secure materials" or "reserve your spot." After taking your money, they delay repeatedly, do partial work, or vanish entirely — leaving you with a torn-off roof and no recourse.

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The Subcontractor Shuffle

A general roofer shows up with unlicensed, uninsured laborers who have no workers' comp. If someone is injured on your property, you could be held liable for medical bills — even if you hired a "contractor."

How to Verify a Professional

1

Insurance

Always request a Certificate of Insurance directly from the contractor's insurance agent — not a copy the roofer hands you. Confirm it includes general liability (at least $1M) and workers' compensation coverage. Call the insurance company to verify the policy is active.

2

Licensing

Texas does not have a statewide roofing license, but check with Hopkins County and the City of Cumby for any local permit or registration requirements. Verify the contractor has a valid Texas Sales Tax Permit and ask for their TDLR registration if they claim to hold one.

3

References

Ask for at least 3 recent roofing jobs completed in Hopkins County or nearby cities like Sulphur Springs or Greenville. Call each reference and ask about the final cost vs. estimate, timeline, cleanup quality, and whether any leaks developed afterward.

Protection FAQs

Do roofing contractors need to be licensed in Texas?

Texas does not have a statewide roofing contractor license, but contractors must register with the Texas Department of Licensing and Regulation (TDLR) if they perform roofing work. Always ask for their TDLR registration number and verify it online. Additionally, check with the City of Cumby and Hopkins County for any local permit or registration requirements before hiring.

What should I do if a storm chaser knocks on my door in Cumby?

Politely decline and do not sign anything. Storm chasers are out-of-town contractors who appear after severe weather, offer quick inspections, and pressure you into contracts. Take photos of any damage yourself, contact your insurance company directly, and get at least three estimates from local, established roofing companies with a physical presence in Hopkins County.

Is it illegal for a roofer to offer to pay my insurance deductible?

Yes. In Texas, it is illegal for any contractor to pay, waive, or rebate your insurance deductible. This constitutes insurance fraud and can result in claim denial, policy cancellation, or legal penalties. Legitimate roofers will explain that you are responsible for your deductible per your policy terms and will provide proper documentation.

How can I verify a roofer's insurance coverage?

Ask the contractor for a Certificate of Insurance (COI) and call the insurance company listed on the certificate to verify the policy is active and current. Do not accept a copy of an insurance card. Make sure the policy includes both general liability (at least $1 million) and workers' compensation coverage. This protects you if someone is injured on your property.

What percentage should I pay upfront for a roofing job?

Never pay more than 10-15% upfront or the exact cost of materials delivered to your property. Reputable roofers typically require a small deposit to secure materials, with the remaining balance due upon completion and your final inspection. Avoid contractors who demand 50% or more before any work begins — that's a major red flag.

How do I find trustworthy roofers in Cumby, TX?

Start by asking neighbors and local community groups in Cumby and Hopkins County for referrals. Look for contractors with a verifiable local address, established history in the area, and strong online reviews. Always get multiple written estimates, check references from recent local jobs, and verify licensing and insurance before signing any contract.

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