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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Saint Hedwig

Your home is your biggest investment, and a new roof is a major expense. Unfortunately, storm chasers and unlicensed contractors often target homeowners in Bexar County, especially after severe weather. This guide helps you spot the warning signs before you hand over a deposit. A little caution now can save you thousands of dollars and endless headaches down the road.

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Common Residential & Commercial Roofing Scams in Saint Hedwig

Be aware of these tactic used by unlicensed operators

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The Storm Chaser

After a hailstorm or high winds, out-of-town contractors flood Saint Hedwig neighborhoods offering 'free inspections.' They pressure you into signing an assignment of benefits (AOB) and file an insurance claim for you — often inflating damage that doesn't exist.

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The Deposit Trap

A contractor demands 50-100% upfront payment before materials arrive. After collecting, they disappear or show up for a few days, do shoddy work, and never return to finish. You're left with a half-torn roof and no recourse.

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The Deductible Waiver

A roofer claims they will 'absorb' your insurance deductible or give you a 'deductible-free' roof. This is illegal in Texas under the state's prompt-pay statutes and insurance fraud laws. It often leads to inflated claims and policy cancellation.

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The Change Order Game

You agree to a low initial quote, but once the tear-off begins, the contractor piles on unexpected charges — 'We found rotted decking,' 'The flashing needs replacing,' 'The code requires new vents.' You're pressured to approve costly add-ons immediately.

How to Verify a Professional

1

Insurance

Never skip this step. Request a certificate of insurance directly from their insurance agent — not a paper copy the roofer hands you. Verify they carry both general liability insurance (minimum $1M) and workers' compensation coverage. If they don't carry workers' comp, you could be liable for injuries on your property.

2

Licensing

Texas does not have a statewide roofing license, but Saint Hedwig is in Bexar County. Check with the Bexar County building department or the Texas Department of Licensing and Regulation (TDLR) to confirm the contractor is registered. Ask for their TDLR number and verify it online.

3

References

Ask for at least three recent local references from jobs completed in or near Saint Hedwig within the last year. Call those homeowners. Ask about timeline, budget, cleanup, and whether permits were pulled. Check Google, Nextdoor, and the Better Business Bureau for patterns of complaints.

Protection FAQs

Do roofers need a license in Saint Hedwig, Texas?

Texas does not require a statewide license for roofers. However, contractors working in Bexar County should register with the Texas Department of Licensing and Regulation (TDLR). Always ask for their TDLR registration number and verify it online. Some municipalities may have additional local requirements.

How much should I pay upfront for a roofing job?

Never pay more than 10-20% upfront. Reputable roofers in Saint Hedwig generally ask for a small deposit to secure materials, with the balance due upon completion. If a contractor demands 50% or more before starting, that is a major red flag.

What should a roofing contract include?

A solid contract includes the full scope of work, specific material brands and colors, a start and completion timeline, payment milestones, warranty details (both manufacturer and workmanship), permit responsibilities, and a clean-up plan. Never sign a blank or vague contract.

Is door-to-door roofing solicitation legal in Saint Hedwig?

It depends on local ordinances. Many Texas cities require solicitors to hold a permit. Even if legal, use caution. Legitimate local roofers rarely go door-to-door. Ask for identification, their business license, and never sign anything on the spot.

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

Search the Better Business Bureau (BBB) website, check the Texas Attorney General's consumer complaint database, and look up the company on the TDLR website. Also check local Facebook community groups and Nextdoor for Saint Hedwig and surrounding areas — real customer experiences are often shared there.

What is the 'Assignment of Benefits' (AOB) scam?

An AOB is a contract that lets a roofer file your insurance claim and receive payment directly. Scammers use this to inflate damages, pocket the difference, or abandon the job after collecting. Never sign an AOB without reading it carefully — and ideally consult your insurance agent first.

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