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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Kempner, TX

Storm season in Central Texas brings out the best in neighbors — but it also brings out scammers looking to take advantage of homeowners and business owners in Kempner. Whether you need repairs after a hailstorm or a full reroof, knowing how to spot a bad actor can save you thousands. Here's what every Kempner property owner should know before hiring a roofer.

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Common Residential & Commercial Roofing Scams in Kempner

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 swarm Kempner going door-to-door. They claim to spot damage you can't see, offer a 'free inspection,' and pressure you into signing a contract immediately. They often disappear before the job is finished or do shoddy work that fails inspection.

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The Insurance Assignment Trap

A roofer asks you to sign an Assignment of Benefits (AOB) form, giving them the right to deal directly with your insurance company and receive your claim payout. This often leads to inflated claims, lawsuits, and you being left on the hook for uncovered costs.

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The Lowball Quote & Change Order Scheme

A roofer gives you an incredibly low bid to beat competitors. Once the job starts, they find 'unforeseen damage' and hit you with expensive change orders. By then, your roof is partially torn off and you have little choice but to pay more to get it finished.

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The Materials Switch

You agree to a price based on premium shingles or materials, but the crew shows up with cheaper, lower-grade products. The scammer pockets the price difference and your roof has a shorter lifespan and may not meet the manufacturer's warranty requirements.

How to Verify a Professional

1

Insurance

Ask for a certificate of insurance directly from the roofer's insurance agent, not a photocopy the roofer hands you. Confirm they carry both general liability insurance (at least $1 million) and workers' compensation coverage. Call the insurance company listed to verify the policy is active and hasn't expired.

2

Licensing

Texas does not have a statewide roofing license, but reputable roofers carry a Texas Department of Insurance (TDI) license if they handle insurance claims. Check with the TDI at tdi.texas.gov and confirm the roofer is registered to do business in Texas through the Texas Secretary of State's website. Also verify they pull the required permits with Lampasas County or the City of Kempner.

3

References

Ask for at least 3 recent references from jobs completed in or near Kempner or Lampasas County. Call those references and ask about the quality of work, whether the crew showed up on time, if there were any surprise charges, and how cleanup was handled. Also check Google, Nextdoor, and the Better Business Bureau for reviews specific to the Kempner area.

Protection FAQs

Do roofers in Texas need a license?

Texas does not have a statewide roofing contractor license. However, roofers who handle insurance claims must register with the Texas Department of Insurance (TDI). Always verify TDI registration and check with the Texas Secretary of State to confirm the business is in good standing. The City of Kempner and Lampasas County also have local permit requirements for roofing work.

How can I check if a roofer is insured?

Ask the roofer for a certificate of insurance from their insurance provider — not just a copy they provide. Call the insurance company directly to confirm the policy is active. Look for both general liability insurance (typically $1 million or more) and workers' compensation coverage to protect you if a worker gets injured on your property.

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

Do not sign anything or make any commitments. Politely decline and tell them you will research local companies. Take a photo of their vehicle and license plate if you feel uncomfortable. Legitimate roofing companies serving Kempner rely on their local reputation and don't need to go door-to-door after storms.

Should I pay a roofing contractor upfront?

No. Avoid any contractor who demands full or large upfront payment. A reasonable deposit is sometimes required for materials (typically 10-30% for established companies), but the balance should be paid upon completion and your satisfaction. Never pay in cash and always use a credit card or check for a paper trail.

How do I know if roof damage is real or exaggerated?

Get your own independent inspection. Your insurance company will send an adjuster, and you can also have a separate roofer or home inspector evaluate the roof. Be wary of contractors who claim damage you can't see from the ground. Legitimate roofers will show you photos and walk you through the damage before recommending anything.

What should a roofing contract include?

A solid contract includes: the exact materials (brand, color, grade), a payment schedule tied to milestones, a start and completion date, cleanup and debris removal terms, the workmanship warranty length, permit responsibility, and a process for change orders. If anything seems vague, ask for clarification before signing.

How can I find trustworthy roofers in Kempner, TX?

Start by asking neighbors and local Facebook community groups for recommendations. Verify TDI registration and insurance. Look for companies with a physical address in or near Lampasas County. Read reviews on Google and Nextdoor specifically from Kempner residents. Get at least three written estimates and compare them side by side.

What if a roofer asks me to sign over my insurance check?

Never sign over your insurance proceeds or sign an Assignment of Benefits (AOB) to a roofing contractor. This is a common scam that can lead to lien disputes and lawsuits. Your insurance payout belongs to you. Pay the roofer directly from that check only after the work is completed to your satisfaction.

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