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🛡️ Consumer Protection Guide

Avoid Roofing Scams in Texhoma, TX

Your roof is one of the most important investments you'll make for your home or business. Unfortunately, storm season in the Texas Panhandle brings out fly-by-night contractors looking to take advantage of homeowners in Texhoma. Knowing what to look for can save you thousands of dollars and years of headaches. Here's how to spot trouble before you sign anything.

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Common Residential & Commercial Roofing Scams in Texhoma

Be aware of these tactic used by unlicensed operators

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The Storm Chaser Scam

Out-of-town contractors swarm Texhoma after hail or wind storms, going door-to-door offering 'free inspections.' They claim they found damage that may not exist, pressure you into signing an insurance claim assignment, then do shoddy work or disappear before the job is finished.

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The Upfront Payment Trap

A contractor demands a large down payment — often 50% or more — before materials are ordered. After cashing your check, they either delay repeatedly, do substandard work, or vanish entirely with your money.

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The 'Leftover Materials' Bait and Switch

A contractor claims they just finished a nearby job and have 'leftover materials' so they can give you a great deal. The materials are often low-quality, damaged, or stolen. The 'deal' quickly becomes an expensive repair job.

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The Insurance Fraud Scheme

The contractor offers to cover your insurance deductible or inflates the damage estimate to get a larger insurance payout. This is insurance fraud and is illegal. You could be charged, your policy could be canceled, and you will still be on the hook for the work.

How to Verify a Professional

1

Insurance

Always ask for a certificate of insurance directly from the contractor's insurance provider — not just a paper copy they hand you. Verify they carry both general liability insurance (to cover damage to your property) and workers' compensation insurance (to protect you if a worker gets injured on your property).

2

Licensing

Texas does not have a statewide roofing contractor license, but Texhoma and Sherman County may require local permits. Check with the City of Texhoma building department and ask for proof of any required local licensing. Trustworthy contractors will provide their license numbers without hesitation.

3

References

Ask for at least 3 recent references from jobs completed in Texhoma or nearby Sherman County. Call those references and ask about the quality of work, whether the project stayed on budget, and if the crew cleaned up properly afterward. Also check online reviews on Google and the Better Business Bureau.

Protection FAQs

How can I tell if a roofer is legitimate in Texhoma?

A legitimate roofer in Texhoma will have a local physical address, provide a written contract, show proof of insurance, offer references from recent local jobs, and never pressure you to sign immediately. They will also be willing to pull any required permits with the City of Texhoma building department.

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

No. That's a major red flag. Reputable contractors typically ask for a small deposit (10-20%) and tie remaining payments to completed milestones. Never pay the full amount upfront — if a contractor demands it, walk away.

What should I do after a hailstorm hits Texhoma?

Be wary of out-of-town 'storm chasers' who show up unannounced. Contact your insurance company first and have them send their own adjuster. Get multiple estimates from local, established roofers. Don't sign any assignment of benefits documents at your doorstep.

Does Texas require roofing contractors to be licensed?

Texas does not have a statewide license specifically for roofers, but contractors must register with the Texas Department of Licensing and Regulation (TDLR) if they perform certain types of work. Always check with the City of Texhoma for any local permit requirements and verify the contractor's insurance coverage.

How do I verify a roofer's insurance coverage?

Ask for a certificate of insurance directly from their insurance provider, not just a copy from the roofer. Call the insurance company listed to verify the policy is active. Make sure they carry both general liability insurance and workers' compensation insurance.

What payment method is safest for roofing work?

Pay by credit card or check — never cash. Credit cards offer the best fraud protection and dispute options. Avoid wire transfers or cash payments. Stick to a payment schedule tied to completed work, and never pay the final amount until you're fully satisfied with the job.

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Don't take risks with your property. We connect you with pre-screened, licensed professionals in Texhoma.

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