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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Oglesby, TX

After a storm or when your roof shows its age, the last thing you need is a contractor who takes your money and runs. Roofing scams are unfortunately common in communities like Oglesby, where storm chasers and unlicensed operators prey on homeowners needing urgent repairs. The good news? A few simple checks can separate a trustworthy roofer from a scammer. Here's what you need to know to protect your home and your wallet.

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Common Residential & Commercial Roofing Scams in Oglesby

Be aware of these tactic used by unlicensed operators

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Storm Chaser Scheme

After a hailstorm or high winds, out-of-town contractors flood into Oglesby going door-to-door. They claim your roof is severely damaged, offer to handle your insurance claim, and push you to sign a contract on the spot. Many take a large deposit and disappear, leaving you with shoddy work or no work at all.

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The Lowball Bid Trap

A contractor offers a price far below every other estimate you receive. They get the job, but then hit you with "unforeseen" charges, use cheap materials, or simply stop showing up once they've cashed your check.

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Insurance Claim Fraud

A roofer offers to cover your deductible or claims they'll "waive" it — which is illegal in Texas. Others inflate the damage estimate to your insurance company, which can leave you on the hook for fraud or even higher future premiums.

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Fake Emergency Roof Tarping

After a storm damages your roof, a contractor shows up within hours offering emergency tarping services for an inflated fee. They ask for cash upfront and either do a poor job or vanish after taking your money.

How to Verify a Professional

1

Insurance

Request a certificate of insurance directly from their provider. You want to see general liability insurance (covers damage to your property) and workers' compensation (covers injuries to their crew). Call the insurance company listed to confirm the policy is active.

2

Licensing

Check with the Texas Department of Insurance (TDI) and your local Coryell County building department. In Texas, roofers must register with the state. Ask for their license number and verify it online. Beware of contractors who can't or won't provide one.

3

References

Ask for at least three recent local references from jobs completed in Oglesby or nearby communities in Coryell County. Call those homeowners and ask about the work quality, timeline, cleanliness, and whether the budget stayed within the estimate.

Protection FAQs

How can I tell if a roofer is licensed in Texas?

Ask for their Texas Department of Insurance (TDI) registration number. You can verify it on the TDI website. Additionally, check with Coryell County or the City of Oglesby for any local permit or licensing requirements. A legitimate roofer will have no problem providing this information.

Is it normal for a roofer to ask for a deposit upfront?

In Texas, a small deposit (typically 10-30%) is acceptable for materials, but never pay the full amount upfront. Be very cautious if a contractor demands more than 30% before work begins. Legitimate roofers often don't ask for a deposit until materials are being ordered.

What should I do if a roofer shows up at my door after a storm?

Politely decline to sign anything and ask for their information. Get multiple estimates from established local roofers. Storm chasers often disappear after the work is done, leaving you with no warranty or recourse. Take your time — there's no rush, no matter what they claim.

What if a roofer offers to waive my insurance deductible?

This is illegal in Texas. Any contractor who offers to pay or waive your deductible is committing insurance fraud. If they're willing to break that law, they may cut corners elsewhere. Walk away immediately and report them to the Texas Department of Insurance.

How do I check a roofer's insurance is real?

Ask for a certificate of insurance directly from their insurance company, not from the roofer. Call the insurance agent listed on the certificate to confirm the policy is active and covers the dates of your project. This takes five minutes and can save you from massive liability.

What are my rights if I've already been scammed by a roofer?

Contact the Texas Department of Insurance and the Coryell County District Attorney's office. File a complaint with the Better Business Bureau and your local law enforcement. If you paid with a credit card, contact your card issuer to dispute the charge. Act quickly — scammers often close up shop and move on.

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