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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Somerset, TX

After a storm or when your roof starts showing its age, it's easy to feel pressured into making a quick decision. Unfortunately, that's exactly when scammers come knocking. Somerset homeowners and business owners deserve roofing work done right — without the stress of wondering if you're being taken advantage of. Here's how to spot red flags and find someone you can trust.

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Common Residential & Commercial Roofing Scams in Somerset

Be aware of these tactic used by unlicensed operators

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Storm Chaser Scam

Out-of-town contractors swarm Somerset after hail or wind storms. They go door-to-door offering 'free inspections,' find 'damage' you didn't know you had, and pressure you into signing an insurance assignment before leaving town — often with shoddy work or no work at all.

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The Upfront Payment Trap

A roofer demands 50% or more of the total cost before any materials arrive or work begins. Once paid, they delay, disappear, or do minimal work and demand more money to finish.

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Insurance Fraud / Deductible Waiver

The roofer says they'll 'waive your deductible' or 'cover your insurance deductible' as a favor. This is illegal in Texas. They may inflate the claim price to cover their cost, leaving you on the hook for insurance fraud.

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Material Switch Scam

You agree to pay for premium shingles or materials, but the roofer installs cheaper, lower-grade products. The invoice shows premium materials, but the actual product on your roof is different.

How to Verify a Professional

1

Insurance

Never skip this step. Ask for a certificate of insurance (COI) directly from their insurance carrier — not just a paper they hand you. Verify it includes both general liability (minimum $1M) and workers' compensation coverage. Call the insurance company listed on the COI to confirm the policy is active and hasn't expired.

2

Licensing

Texas does not require a statewide roofing license, but Somerset and Bexar County may have local permitting requirements. Ask for their Texas Registration Number (TRN) if they claim state credentials. Check with the Bexar County Permitting Office or Somerset city hall to verify they're registered to pull permits in your area.

3

References

Ask for at least 3 recent roofing jobs they've completed in or around Somerset. Call each reference and ask: Was the work done on time? Did they stay on budget? Were there unexpected charges? If possible, drive by and look at the finished work yourself.

Protection FAQs

How do I verify a roofing contractor is licensed in Somerset, TX?

Texas doesn't have a statewide roofing license, but any roofer pulling permits in Bexar County must meet local requirements. Contact the Somerset Building Department or Bexar County Permitting Office to confirm they are authorized to do work in your area. Ask for their Texas Registration Number (TRN) if applicable.

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

A small deposit (10-15%) is reasonable, especially to secure materials, but never pay the full amount upfront. Be very cautious if a roofer demands 50% or more before the job starts. Trustworthy professionals typically work on a payment schedule tied to completed milestones or accept payment upon completion.

What should I do if a storm chaser knocks on my door offering a free roof inspection?

Politely decline. Ask for their business card and local address. Then, contact a locally established roofing company in Somerset for a second opinion. Never sign anything from a door-knocker. If they pressure you, close the door and report them to Somerset local authorities.

What insurance coverage should a roofing contractor in Texas carry?

A reputable roofer should carry both general liability insurance (at least $1 million) and workers' compensation insurance. Ask for a certificate of insurance (COI) and call the insurance company to verify the policy is active. This protects you if a worker is injured or property is damaged on your job.

Can a roofer legally waive my insurance deductible in Texas?

No. It is illegal in Texas for a contractor to waive or pay your insurance deductible. This is considered insurance fraud. If a roofer offers to 'cover your deductible' or 'waive it,' that is a major red flag. Find another contractor immediately.

How can I check if a roofing company has complaints against them?

Check the Better Business Bureau (BBB) for complaints and resolution history. Also search for the company name along with 'complaint' or 'lawsuit' online. Ask for local references and call them. Finally, check with the Bexar County Consumer Protection office for any filed complaints.

What should be in a roofing contract before I sign?

A proper contract should include: full scope of work, exact materials (brand, color, model), project timeline with start and end dates, payment schedule, warranty terms (workmanship and materials), cleanup details, and a cancellation policy. Never sign a blank or incomplete contract.

How do I find a trustworthy roofer in Somerset, TX?

Start by asking neighbors and local community groups for recommendations. Look for companies with a physical address in Bexar County, strong online reviews, and several years in business. Always verify insurance, ask for references, and get at least three written estimates before making a decision.

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