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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Horseshoe Bay, TX

Your home is one of your biggest investments, and finding a trustworthy roofer shouldn't feel like a gamble. Unfortunately, roofing scams spike after storms and throughout the year in Central Texas. This guide walks you through the warning signs, the most common tactics to watch for, and the simple steps you can take to protect yourself. A little caution upfront can save you thousands of dollars and a mountain of stress.

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Common Residential & Commercial Roofing Scams in Horseshoe Bay

Be aware of these tactic used by unlicensed operators

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The Storm Chaser Scam

A roofer shows up uninvited after a hailstorm or wind event, claims your roof has hidden damage, and offers to handle your insurance claim directly. They pressure you to sign an Assignment of Benefits (AOB) form, giving them control over your claim and payment.

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The Phantom Damage Inspection

A roofer climbs up for a 'free inspection' and comes down with photos of damage that doesn't exist — or they exaggerate minor wear into an 'emergency' that needs immediate repair. This is especially common after mild weather events.

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The Down Payment Disappear

You pay a large deposit (50% or more) to secure your roofing job. The roofer buys some materials, starts the job, and then disappears. You're left with a partially torn-off roof and no way to reach them.

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The Material Switch

You agree on premium shingles or materials in your contract, but the roofer installs cheaper, off-brand products that look similar. By the time you notice, the job is done and the invoice is paid.

How to Verify a Professional

1

Insurance

Ask for a Certificate of Insurance sent directly from their insurance agent. You want to see General Liability Insurance (minimum $1 million) and Workers' Compensation coverage. If they can't show proof, you could be liable for injuries on your property.

2

Licensing

Texas does not require a statewide license for roofers, but Horseshoe Bay and Llano County may have local permit requirements. Check with the Llano County Building Department and ask for the contractor's Texas Sales Tax Permit (issued by the Texas Comptroller). A legitimate business will have no trouble providing this.

3

References

Ask for at least three recent references from jobs in the Horseshoe Bay or Llano County area. Call those homeowners and ask about the roofer's timeliness, cleanup, budget adherence, and how they handled any problems. Drive by completed jobs if you can.

Protection FAQs

Do roofers in Texas need to be licensed?

Texas does not have a state-level roofing license. However, roofers must register with the Texas Department of Licensing and Regulation (TDLR) if they perform more than $3,000 in residential repairs annually. Always ask for their TDLR registration number and a Texas Sales Tax Permit from the Comptroller's office.

How can I check if a roofer is insured in Horseshoe Bay?

Ask for a Certificate of Insurance (COI) sent directly from their insurance provider. The COI should show General Liability coverage (at least $1 million) and Workers' Compensation. You can call the insurance company listed on the certificate to verify it's active.

What should a roofing contract include?

A solid contract includes: full scope of work, exact materials (brand, model, color), payment schedule, start and completion dates, cleanup plan, warranty details (material and labor), and a notice of your right to cancel within 3 business days under Texas law.

Is it normal for a roofer to ask for full payment upfront?

No. That's a major red flag. Reputable roofers typically ask for a deposit of 10–30% of the total cost. The rest is paid as work progresses or upon completion and final inspection. Never pay the full amount upfront.

What should I do if a storm chaser knocks on my door?

Be polite but firm. Do not sign anything, do not let them on your roof, and do not share your insurance information. Get contact info if you want, then research local roofers on your own. Contact your insurance company directly to discuss any potential storm damage.

How do I find a trustworthy roofer in Horseshoe Bay?

Start by getting at least three estimates from local roofers with physical addresses in or near Horseshoe Bay. Verify their TDLR registration, insurance, and references. Check online reviews and ask neighbors for recommendations. A trustworthy roofer will be patient, transparent, and happy to answer your questions.

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