Roofing Scams Homeowners Need to Watch Out For—And How to Avoid Them

When it comes to roof repairs and replacements, most homeowners are not experts, which makes them prime targets for scammers. Whether it’s after a big storm or just during regular home maintenance, shady contractors prey on unsuspecting homeowners, often costing them thousands of dollars in damage or unnecessary repairs.

At Texas Roofing & Home Improvements, we believe in transparency and protecting our community. That’s why we’re breaking down some of the most common roofing scams and how you can avoid falling victim to them.


1. The “Storm Chaser” Scam 🌪️

After a big storm, you may notice out-of-town roofing companies suddenly popping up in your area, offering quick fixes and “too-good-to-be-true” deals. These storm chasers rush through jobs with subpar materials, then disappear before issues arise—leaving homeowners with shoddy work and no way to reach them.

🔍 How to Avoid It:
✅ Only hire licensed, local contractors with a physical presence in your area.
✅ Check reviews, ask for references, and verify their business registration.
✅ Be cautious of anyone pressuring you to sign a contract on the spot.


2. The “Free Roof” Insurance Fraud 💰

Some dishonest roofers will tell you “We can get you a free roof” and claim they can cover your insurance deductible illegally. They may inflate the repair costs, commit insurance fraud, or even submit false claims—all of which can put you at risk of legal trouble.

🔍 How to Avoid It:
✅ If a contractor offers to waive or “cover” your deductible, it’s a red flag—this is illegal in many states.
✅ Always review your insurance policy and understand what is covered.
✅ Work with a contractor who is transparent about costs and insurance claims.


3. The “High-Pressure Sales” Tactic

Some roofers will use scare tactics to pressure homeowners into signing contracts immediately. They might claim your roof is on the verge of collapse or offer a “one-day-only” special deal to get you to commit on the spot.

🔍 How to Avoid It:
✅ Get multiple quotes before making a decision.
✅ Never feel rushed—a reputable roofer will give you time to consider your options.
✅ Read the contract carefully before signing anything.


4. The “Upfront Payment” Scam 🚨

A scammer may demand full payment upfront, then disappear without doing the work. Or, they might start the job but leave it incomplete, forcing you to chase them down or pay someone else to fix their mess.

🔍 How to Avoid It:
Never pay in full upfront—a legitimate company will have clear payment schedules.
✅ Use checks or credit cards instead of cash to track payments.
✅ Choose a contractor with a proven track record and strong warranties.


5. The “Mystery Damage” Scam 🔨

Some unethical roofers create damage themselves or claim they “found” serious issues that don’t actually exist. They may even stage fake photos to convince you that immediate repairs are necessary.

🔍 How to Avoid It:
Get a second opinion from another roofer before agreeing to major repairs.
✅ Ask for photo and video evidence of the damage before committing.
✅ Work with a company that offers free, no-pressure inspections.


How to Protect Yourself

1️⃣ Research your roofer – Check reviews, licensing, and BBB accreditation.
2️⃣ Get everything in writing – Make sure contracts are detailed and clear.
3️⃣ Work with a local contractor – Choose a company with a strong reputation in your community.
4️⃣ Ask for proof of insurance – A legitimate contractor will have worker’s comp and liability coverage.
5️⃣ Trust your gut – If something feels off, it probably is!


Need a Trustworthy Roofing Contractor? We’ve Got You Covered!

At Texas Roofing & Home Improvements, we take pride in our honest, reliable service and have built a reputation as a third-generation, local roofing company you can trust.

📞 Call us at 210-379-1307 for a free, no-obligation roof inspection!
🏡 Visit us at www.wearetexasroofing.com

Don’t let scammers take advantage of you—let’s get your roof done right!

Homeowner’s Guide to Filing a Roofing Insurance Claim

If your roof has been damaged by hail, wind, or a storm, you’re likely wondering: What’s next? The insurance claim process can be confusing, and many homeowners don’t know where to start. That’s why we’ve put together this step-by-step guide to help you understand how to file a claim, what to expect, and how to ensure you get the coverage you deserve.


How Long Do I Have to File a Roofing Insurance Claim?

Most homeowners insurance policies allow up to one year to file a claim for storm damage. However, some policies may have shorter deadlines (as little as six months) depending on your provider. It’s crucial to check your policy and act quickly—waiting too long could result in a denied claim.

Why File ASAP?

  • Damage gets worse over time. A minor leak today can turn into costly interior damage.
  • Insurance companies may question delayed claims. If you wait too long, they might argue the damage was due to neglect rather than the storm.
  • Storms don’t leave permanent records. The longer you wait, the harder it is to prove that a storm caused the damage.

What You Need to File a Roof Insurance Claim

Before you call your insurance company, make sure you have:

A Professional Roof Inspection – Your insurance adjuster will inspect the damage, but having a professional roofing contractor’s assessment ensures that nothing is overlooked.
Date of Damage – Insurance companies will ask when the damage occurred. A storm history report (which we can help provide) can verify this.
Photo Evidence – Take clear pictures of the damage, both close-up and from a distance. If possible, include “before” photos to compare.
Insurance Policy Details – Know what your policy covers, your deductible, and whether you have Replacement Cost Value (RCV) or Actual Cash Value (ACV) coverage.


Step-by-Step Process for Filing a Roofing Insurance Claim

Step 1: Get a Professional Roof Inspection

Your first call should be to a trusted local roofing company (like us! 😉) to assess the damage. A professional roofer will provide a detailed report and guide you through the claims process.

Step 2: Contact Your Insurance Company

Call your provider and report the damage. Be prepared to:
📞 Provide the date of the storm
📸 Submit photos and documentation
📑 Request an adjuster appointment

Step 3: Insurance Adjuster Inspection

Your insurance company will send an adjuster to inspect your roof. Having your roofing contractor present ensures that all damage is documented correctly.

Step 4: Claim Approval & Settlement

Once the adjuster submits their report, you’ll receive an approval or denial. If approved, you’ll get a claim settlement outlining what they’ll cover.

Step 5: Roof Repair or Replacement Begins

After receiving your insurance payout, your roofing contractor will begin work. If you have RCV coverage, you may receive a second check after the work is completed.

Step 6: Final Inspection & Payment

Once the job is done, we’ll complete a final walkthrough to ensure everything meets our quality standards. Then, you submit proof of completion to your insurance provider to finalize any remaining payments.


What If My Claim Is Denied?

If your claim is denied, don’t panic! You have options:
🚨 Request a reinspection – If you believe the adjuster missed something, you can ask for a second opinion.
🔍 Hire a public adjuster – A third-party adjuster can review your case and negotiate with your insurance company.
🏗️ Explore financing options – If insurance won’t cover the cost, we offer affordable financing plans to get your roof fixed ASAP.


We’re Here to Help! Call for a Free Inspection Today

Navigating insurance claims can be overwhelming, but you don’t have to do it alone. At Texas Roofing & Home Improvements, we’re insurance claim experts who fight to ensure homeowners get the coverage they deserve.

📞 Call us today at 210-379-1307
📩 Message us on Facebook
💻 Visit wearetexasroofing.com

Let’s get your roof back in top shape—the right way! ✅🏡💪