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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Hubbard

Roofing projects are significant investments, and unfortunately, scammers often target homeowners after storms or during peak seasons. In Hubbard and surrounding Hill County, it's crucial to know how to spot dishonest contractors before they cause damage to your home or wallet. This guide helps you recognize red flags, verify credentials, and connect with reputable roofing professionals who follow ethical business practices.

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Common Residential & Commercial Roofing Scams in Hubbard

Be aware of these tactic used by unlicensed operators

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Storm Chaser Scams

Contractors appear after storms offering 'free inspections' and claim to find extensive damage. They often exaggerate problems or even create damage to justify unnecessary repairs while pressuring you to sign immediately.

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Material Switching Scams

Contractors quote premium materials but install cheaper, inferior products. They may show you samples of high-quality shingles but install budget versions that won't last as long or provide proper protection.

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Insurance Fraud Schemes

Some contractors offer to 'handle everything' with your insurance company, then inflate estimates, claim pre-existing damage as storm-related, or even suggest you commit fraud by backdating damage.

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Disappearing Deposit Scams

Contractors demand large deposits (often 50% or more) for 'material purchases' then disappear or delay work indefinitely. They may provide excuses about supply chain issues while using your money for other purposes.

How to Verify a Professional

1

Insurance

Request certificates of liability insurance and workers' compensation coverage. Contact the insurance company directly to verify policies are current and adequate. Without proper insurance, you could be liable for injuries or damages.

2

Licensing

In Texas, roofing contractors must be licensed. Verify their license through the Texas Department of Licensing and Regulation (TDLR) website. Ask for their license number and check its status and any complaint history.

3

References

Ask for at least 3 recent local references in Hubbard or nearby communities. Contact these references and ask about work quality, communication, and whether the project stayed on budget. Drive by to see the completed work if possible.

Protection FAQs

What should I do if a roofer shows up unannounced after a storm?

Politely decline any immediate offers. Take their business card if they have one, but don't agree to an inspection or sign anything. Contact established local roofing companies with verifiable addresses and references instead.

How much deposit should I pay a roofing contractor?

Reputable contractors typically require 10-15% deposit to secure materials and schedule your project. Be wary of anyone demanding 50% or more upfront. Never pay the full amount before work begins.

What roofing licenses are required in Texas?

Texas requires roofing contractors to be licensed through the Texas Department of Licensing and Regulation (TDLR). Verify their license online and check for any disciplinary actions. Some municipalities may have additional requirements.

Should I let a contractor deal directly with my insurance company?

While contractors can provide estimates and documentation, you should maintain direct communication with your insurance adjuster. Never sign over insurance proceeds to a contractor—you should receive payment and pay the contractor for completed work.

What questions should I ask roofing references?

Ask about work quality, adherence to timelines and budget, communication, cleanup, and whether they would hire the contractor again. Specifically ask about any issues that arose and how they were resolved.

How can I verify a roofer's insurance is legitimate?

Request certificates of insurance for both liability and workers' compensation. Contact the insurance company directly (using a phone number you look up, not one provided by the contractor) to verify the policies are current and adequate.

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