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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Mound, TX

Roofing is a major investment for any Mound home or business. Unfortunately, storm chasers and unlicensed operators often target communities after bad weather. Knowing what to look for can save you thousands of dollars and years of frustration. Here's how to spot trouble before you sign anything.

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Common Residential & Commercial Roofing Scams in Mound

Be aware of these tactic used by unlicensed operators

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Storm Chaser Scam

Out-of-town contractors show up shortly after a hailstorm or high winds in Mound. They claim your roof has 'severe damage,' offer a 'free inspection,' and pressure you into signing a contract before a licensed adjuster has even looked at it.

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The Insurance Deductible Scam

A roofer offers to 'cover your insurance deductible' or give you a 'deductible-free' repair. This is illegal in Texas under the state's insurance fraud laws. The roofer may cut corners or use cheap materials to make up the difference.

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Material Upgrade Bait-and-Switch

You agree to a price for premium shingles or metal roofing. After the job starts, the contractor claims the materials are 'on backorder' and substitutes lower-grade products without adjusting the price or telling you.

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Ghost Roofing (Partial Work & Disappear)

The contractor takes a deposit, does a small amount of work like tearing off old shingles, then stops showing up. They leave your roof exposed to the elements and stop answering your calls.

How to Verify a Professional

1

Insurance

Ask for a Certificate of Insurance showing both general liability and workers' compensation. Call the insurance company listed on the certificate to verify the policy is active and covers the dates of your project. Do not accept photocopies — ask to see the binder.

2

Licensing

Texas requires all roofing contractors to register with the Texas Department of Insurance (TDI). Ask for their TDI license number and verify it online at the TDI website. For commercial work, also confirm they hold a valid contractor license in Coryell County.

3

References

Ask for at least 3 recent roofing projects in Mound or Coryell County. Call each reference and ask about communication, cleanup, timeline, and whether any problems came up after the job was finished. Check online reviews on multiple platforms, not just one.

Protection FAQs

Does Texas require roofing contractors to be licensed?

Yes. All roofing contractors in Texas must register with the Texas Department of Insurance (TDI). You can verify a roofer's TDLR or TDI license online before hiring them. Some municipalities in Coryell County may also have additional licensing requirements.

Is it legal for a roofer to waive my insurance deductible in Texas?

No. It is illegal in Texas for a roofing contractor to waive or pay your insurance deductible. This practice constitutes insurance fraud. If a roofer offers to 'cover your deductible,' report them to the Texas Department of Insurance and find a different contractor.

How much should I pay upfront for a roofing job in Mound?

Be wary of any roofer asking for more than 10% upfront. Reputable professionals typically ask for a small deposit or payment upon completion of specific milestones. Never pay the full amount before the work is finished and you've done a final inspection.

What should a roofing contract include to protect me?

A solid contract should include the full scope of work, exact material brands and colors, project timeline, payment schedule, warranty information, cleanup plan, and the contractor's TDI registration number. If any of these details are missing, ask questions before signing.

How can I check if a roofer has complaints against them?

You can check with the Texas Department of Insurance for license status and complaints. The Better Business Bureau (BBB) and local Coryell County consumer protection offices are also good resources. Search for the company name plus 'complaints' or 'lawsuit' online as an extra step.

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

Stop payment immediately and document everything — photos, contracts, receipts, and communication records. File a complaint with the Texas Department of Insurance, the Texas Attorney General's office, and local law enforcement in Coryell County. Contact your insurance company as well.

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