Storms & hurricanes
How to Spot a Storm-Chasing Roofer
Updated · Sabine Crest editorial
Red flags
- Door-to-door right after the storm
- Contract before an inspection
- Assignment of benefits paperwork
- Deductible waiver offers
- No permit or local references
Questions to ask
- Where is your office, and how long have you worked here?
- Can I see your liability insurance certificate?
- Will you pull the permit and schedule windstorm inspections?
- What's your written workmanship warranty?
Texas protections
Texas law requires roofing contracts on insurance jobs to include specific disclosures and gives homeowners the right to cancel within three days of receiving notice that the claim has been denied. Contractors can't act as your public adjuster.
Texas rules that protect homeowners
Texas law generally prohibits a roofing contractor from paying or waiving your insurance deductible, and requires written contracts on insurance-funded work to disclose certain terms. Ask for a local address, proof of insurance and references from jobs completed before the storm.
How to Spot a Storm-Chasing Roofer: follow-up questions
Is it illegal for a roofer to waive my deductible in Texas?
Yes. Texas law prohibits contractors from offering to pay, waive or rebate an insurance deductible.
Should I pay a deposit?
Some reputable roofers ask for a deposit for materials. Avoid paying the full price before work begins.
Every home differs; editorial standards.