TPH
ENES

Contractor checks · Updated September 13, 2026

Storm Chaser Contractors in Texas: Checks Before You Sign

A knock at the door after a storm is a reason to check the offer carefully. A contractor arriving from another area is not, by itself, proof of a scam. Focus on the contract, insurance, payment terms and references.

Start with these checks

  • Read any inspection form before signing. Do not sign a contract with blank sections.
  • Get written bids with contact details. Compare the scope, materials, payment schedule and warranty, not just the total price.
  • Ask for insurance documentation and verify coverage with the listed insurer. Call references and ask about unfinished work or warranty problems.
  • Avoid paying the entire bill before work starts. Keep contracts, receipts and messages together.

These checks follow TDI contractor-scam guidance. They reduce uncertainty; they do not guarantee a contractor's performance.

Separate roofing credentials from insurance authority

A roofing credential is not permission to negotiate an insurance settlement. TDI says a contractor cannot act as a public adjuster on a claim when also doing the work. A contractor may explain repair estimates; ask your insurer or a licensed public adjuster about claim representation. Read TDI's explanation.

Before signing an assignment, authorization or other unfamiliar document, find out exactly which rights it grants. Do not assume every document has the same effect. Ask a qualified attorney to review terms you do not understand.

If you already signed

Find your signed contract and any cancellation notice. For a covered door-to-door sale, the Texas Attorney General describes written cancellation within three business days. Follow the applicable notice and keep a copy and evidence of sending. Eligibility and exceptions matter; contact a qualified attorney promptly if the deadline or your rights are unclear. Check the official cancellation guidance.

Common questions

Does a Texas roofer need a TDLR roofing license?

TDLR does not administer a statewide roofing contractor license. RCAT offers a voluntary industry license, which is different from state licensing. Ask your city about permits or registration for the specific job, and check the appropriate licensing board for regulated trades involved in the work.

Can a contractor waive my insurance deductible?

TDI says contractors cannot offer to waive a deductible or promise a rebate for it. Do not accept that offer. Ask your insurer to explain the deductible and payment documentation for your claim.

Do I always have three days to cancel a roofing contract?

No. Certain door-to-door transactions have a three-business-day cancellation right, with exceptions. Check your contract, cancellation notice and the Texas Attorney General guidance linked below. Do not assume every repair contract qualifies; seek legal advice promptly if you are unsure.

Sources checked

Reviewed against the sources above on September 13, 2026. General information, not advice on your individual contract or claim.

Need help organizing your next step?

Texas Property Help is a referral and intake platform. Submit your request to ask about available help. Contractor availability depends on your location and needs.

Request help →