Tyler Homeowners: 5 Storm Scam Indicators to Watch for After Roof Damage

Roofer Scams After a Storm: 5 Red Flags to Watch Out for in Tyler, Texas

You're surveying the damage to your roof after a recent storm, and you're not sure what to do next. What you might not know is that some roofing contractors are taking advantage of homeowners like you by waiving or paying your insurance deductible – which is against Texas law. In fact, this practice has been on the rise in Texas since Hurricane Harvey hit in 2017.

Why This Keeps Happening — and What It Costs You

The root cause of these scams lies in the way insurers handle roof replacements after a storm. With a high deductible, you may be tempted to accept the lowest bid from a contractor – but this can cost you thousands more in the long run. For example, if your wind and hail deductible is 1% of your home's insured value, and your home is worth $300,000, that's a $3,000 deductible. And if the contractor waives or pays this amount, they may be making up for it by overcharging you on labor costs.

Some insurance companies, like State Farm, handle depreciation differently than others. This can affect how much you need to pay out-of-pocket for repairs – and whether a contractor is willing to take on the risk of waiving or paying your deductible.

What the Insurance Company Doesn't Volunteer

Many insurance companies don't mention that they require homeowners to file separate claims for roof replacements after a storm. This can lead to delays in getting paid – and more opportunities for scammers to take advantage of you. In fact, some contractors may even offer to handle the entire claims process for you – but be wary of this, as it may come with strings attached.

• Be suspicious if a contractor asks for payment upfront or offers to waive your deductible in exchange for a "discount" on labor costs.
• Make sure to check the contractor's license through TDLR at license.tdlr.texas.gov
• Get multiple bids from licensed contractors and compare prices – but make sure they're quoting on the same scope of work.
• Don't sign any contracts or agreements with a contractor until you've read them thoroughly and understand all the terms and conditions.

Exactly What to Do — Step by Step

1. Contact TDI at 800-252-3439 or visit tdi.texas.gov for guidance on filing a claim and understanding your policy.
2. Research the storm's damage history in Tyler, Texas – and check with the National Weather Service at storms.noaa.gov to see if there were any reports of hail or wind damage in your area.
3. Gather documentation of the storm's damage to your roof, including photos and videos – and keep track of all correspondence with your insurer and contractor.
4. If you suspect a roofer is trying to scam you, report them to TDLR at license.tdlr.texas.gov – and seek advice from a trusted insurance professional or attorney.

Mistakes That Kill Tyler Claims

Many homeowners make the mistake of accepting the first bid they receive from a contractor, without comparing prices or checking their license. This can lead to overcharging on labor costs – and even worse, it may allow scammers to take advantage of you. Others may sign contracts without reading them thoroughly, which can leave them vulnerable to hidden fees and charges. And some homeowners may not file separate claims for roof replacements after a storm, which can delay payment and give scammers more opportunities to take advantage of them.

By following these steps and being vigilant about red flags like waiving or paying your deductible, you can protect yourself from roofer scams in Tyler, Texas – and get the fair compensation you deserve for your roof damage. Remember to stay informed and do your research before hiring a contractor – and don't be afraid to ask questions if something seems off. With patience and persistence, you can navigate the complex process of filing a claim and getting your roof repaired or replaced.