Brownsville Homeowners: 5 Storm Scam Warning Signs to Watch Out For This Season

5 Red Flags That a Roofer is Trying to Scam You After a Storm

You've just received notice that your homeowner's insurance covers the damage to your roof from the recent storm in Brownsville. But as you begin to research and reach out to roofing contractors, you start to feel overwhelmed by the numerous options and unfamiliar terms. Did you know that Texas has one of the highest numbers of roofing storms in the country?

Why This Keeps Happening — and What It Costs You

The root cause of this issue lies in the way insurance companies handle roof damage claims. In Texas, it's not uncommon for insurers to have a high deductible structure that can leave homeowners with a significant out-of-pocket expense. For example, if your wind and hail deductible is 2% of your home's insured value, and your home is valued at $300,000, you'll owe $6,000 upfront before the insurance kicks in.

State Farm, one of the largest insurers in Texas, handles depreciation differently than other companies. This can lead to homeowners being left with a larger bill for repairs or replacement.

What the Insurance Company Doesn't Volunteer

TDLR licenses specific trades — electricians and air conditioning contractors among them — but Texas does not license roofing contractors or contractors in general.

• Texas issues no state roofing license, so a TDLR lookup will not show one for a roofer — check instead for proof of general liability insurance, a local address, and BBB history before you hire.
• Research the contractor's reputation online and ask for references from previous clients.
• Beware of contractors who offer to waive or pay your insurance deductible, as this is against Texas law.
• Get a detailed estimate that includes materials, labor costs, and any necessary permits.

Exactly What to Do — Step by Step

1. Contact the Texas Department of Insurance (TDI) at 800-252-3439 or visit tdi.texas.gov for guidance on navigating the claims process.
2. Document all communication with your insurance company and roofing contractor, including dates, times, and details of conversations.
3. Gather evidence of damage, such as photos and videos, to support your claim.
4. If the first steps don't work, consider seeking assistance from a licensed public adjuster or a non-profit organization that helps homeowners with insurance claims.

Mistakes That Kill Brownsville Claims

Texas issues no state roofing license, so a TDLR lookup will not show one for a roofer. Ask instead for proof of general liability insurance, a local physical address, and BBB history, and get the scope of work and any warranty in writing before you hire.

By being informed and taking the necessary steps, you can avoid falling victim to roofing scams in Brownsville. Remember, it's essential to work with a licensed roofer who is transparent about their process and costs. Don't be afraid to ask questions or seek help if you're unsure about any aspect of the claims process.