Storm Chasers: How to Vet a Roofer After a Hailstorm

After a big storm, door-knockers arrive within days. Most scams follow the same few patterns.

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Updated November 14, 2026 · AdEx – Home Solutions, Dallas–Fort Worth

Short answer

Hire local contractors, get written bids with the company’s name, address and phone number, and never pay the full bill upfront; that’s TDI’s advice. Walk away from anyone who offers to waive your deductible, asks you to sign something before giving a price, or hands you a contract with blank sections. Texas doesn’t license roofers, so checking references and insurance is up to you.

Red flags

The pitchThe problem
“We’ll take care of your deductible.”Illegal in Texas. The deductible is yours to pay.
“Sign here so we can inspect.”It may be a contract. Read it; you could owe money without ever seeing a price.
A contract with blank sectionsBlanks can be filled in later with other work or higher charges.
A large deposit or full payment upfrontNever pay in full in advance. After a disaster declaration, out-of-area contractors can’t demand payment before work starts.
“We’ll handle your insurance company.”A roofing contractor can’t act as a public adjuster or negotiate your claim in Texas.

Checks to make before you sign

  • A written bid with the company’s name, phone number and a local address
  • References you actually call, and online reviews
  • A certificate of insurance, verified with the insurer listed on it
  • The exact shingle brand, line and color in the contract
  • For insurance jobs of $1,000 or more, the written notice about the deductible rule that Texas requires
  • Payment by check or card, so there’s a record

Texas doesn’t issue state roofing licenses. The Roofing Contractors Association of Texas runs a voluntary program you can check, and the Better Business Bureau keeps complaint records.

Hiring after a storm

Does Texas license roofers?

No. Texas doesn’t issue state roofing licenses, so check references, reviews and proof of insurance yourself.

Is it legal for a roofer to waive my deductible?

No. It’s illegal in Texas for a contractor to waive, rebate or absorb a deductible.

How much should I pay upfront?

As little as possible. TDI advises never paying the full bill in advance and being cautious about large deposits.

This guide is general information for Texas homeowners, not legal or insurance advice. Your policy, your city and your house decide the details.