Avoid Roofing Scams
Protect yourself and your insurance money from dishonest contractors
A $100 Billion Industry Built on Middlemen.
The roofing industry is a $100 billion dollar a year business, and unfortunately, the majority of that money flows through middlemen — not skilled tradespeople. After every major storm in DFW, an army of storm-chasing contractors descends on neighborhoods through telemarketing, door-to-door flyers, and aggressive door knocking.
Their playbook is always the same: offer to meet with your insurance adjuster, take over your claim, and position themselves as your “advocate.” In reality, they create a psychological obligation for you to hire them — then they subcontract the actual work to the lowest bidder and pocket the difference from your insurance payout.
Less than 10% of DFW roofing contractors are actual skilled specialists who perform their own work. Over 90% are middlemen who juggle multiple trades and never touch a shingle themselves.
Four Red Flags to Watch For.
They Won't Give Written Estimates
If a contractor asks to see your insurance papers before giving you a price, it is a scam. Legitimate roofers provide detailed measurements and written cost breakdowns independently of your insurance claim. Their estimate should be based on the actual cost of materials and labor — not on how much your insurance is willing to pay.
Multi-Service 'General Contractors'
Avoid contractors with names like "XYZ Roofing & General Contracting." These middleman operations do not perform the work themselves. They typically subcontract your roof job to the lowest bidder while pocketing the surplus from your insurance claim. Always buy directly from the person who will actually be doing the work.
Vague or Insurance-Based Pricing
Generic estimates claiming "everything will be charged to insurance" lack transparency. These cookie-cutter proposals are designed to extract maximum payment from your insurance company, not to give you an honest price. Demand specific, itemized costs showing exactly what materials cost, what labor costs, and what you'll personally owe.
They Require Deposits or Money Down
Only a scammer or a commission salesperson will require a deposit before work begins. A legitimate roofing company that is confident in their work will never ask for a single dollar until 100% of the work is complete and you are 100% satisfied with the results. No exceptions.
Choose the Honest Alternative
What You Should Do Instead.
Get Your Own Written Estimates
Request written estimates from multiple licensed roofers independently. Never share your insurance documentation with contractors — they have no need for it to provide you an honest price.
Handle Your Own Insurance Claim
File your claim yourself and communicate directly with your adjuster. Contractors have absolutely no say over whether insurance adjusters approve or deny claims. It's your policy and your money.
Verify Credentials & References
Research contractors on BBB.org and RipOffReport.com. Look for actual customer reviews, not just marketing claims. Verify they have a physical address and have been in business for multiple years.
Pay Only After Completion
Never pay deposits, progress payments, or any money before the work is 100% complete. Ensure all work is finished and you're satisfied before making any final payment.
It's Your Money. Spend Wisely.
Your insurance claim is your money — not your contractor's. Don't let anyone take it over, inflate costs, or pressure you into hiring them. Get honest written estimates, handle your own claim, and choose a real installer who stands behind their work with a written warranty.
HonestRoof.com provides written, honest, upfront estimates without ever asking for your insurance papers.
Choose the Honest Alternative
Free written estimates without ever asking for your insurance papers. Click, Estimate, Save.
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