How Do You Report Insurance Fraud After a Texas Storm?

The short answer

Report suspected insurance fraud to the Texas Department of Insurance online or by calling the TDI Help Line at 800-252-3439. TDI said on Oct. 21, 2026 that its new Texas Insurance Fraud Task Force held its first meeting, after TDI's Fraud Unit received more than 20,000 reports of suspected fraud last year (TDI news release, Oct. 21, 2026).

What TDI announced

A roof claim after an East Texas storm can attract bad actors as well as good roofers. Here's what TDI's release says about the new task force:

• It was directed by the governor. TDI said it formed the task force at Gov. Greg Abbott's direction, as one of several actions to make home and auto insurance more affordable.
• It has 63 members. The group brings together law enforcement, the insurance industry, consumer groups and other partners.
• It has four jobs. TDI says it will coordinate statewide fraud investigations, share intelligence on fraud trends and schemes, develop consumer guidelines to prevent fraud, especially after natural disasters, and expand public outreach.
• You can report fraud now. TDI says Texans can report suspected insurance fraud online or by calling the Help Line.

TDI's release doesn't include the consumer guidelines yet, so this post doesn't describe them. What the release does give you today is the reporting channel.

What to do before you hire anyone for a storm-damaged roof

1. Check what a roofer claims. Our post on whether roofers need a license in Texas explains what to ask before you take anyone's word.
2. Read the contract before you sign. If you sign at home, know your 3-day right to cancel.
3. Call your insurer first. Our post on whether homeowners insurance covers a roof leak explains what a claim covers.
4. Report what looks wrong. If you suspect insurance fraud, use the TDI reporting options above.

This article is general information, not legal or insurance advice.

Bottom line

TDI is putting more resources behind insurance fraud, and the first thing you can do with that is use the reporting line when something looks off. Check the contractor and the contract before the roof comes off.

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