Do you offer free estimates?

Yes! We provide free, no-obligation estimates for all roofing services. Call us at (956) 600-0501 or visit our contact page to get started.

How long does a roof replacement take?

Most residential roof replacements are completed in 1–3 days, depending on the size and complexity of your roof. We work efficiently while maintaining the highest quality standards.

Do you help with insurance claims?

Absolutely. We have extensive experience working with insurance companies. We'll document the damage, meet with adjusters, and ensure you get the coverage you deserve.

What does a typical roof replacement cost in the RGV?

Most full residential replacements in the Rio Grande Valley range from $8,000 to $18,000, depending on roof size, slope, material (asphalt shingle vs. metal), and decking condition. Use our free Roof Cost Calculator at /roof-cost-calculator for an instant estimate, or call (956) 600-0501 for a no-pressure on-site inspection.

What roofing materials do you use?

We use top-quality materials from trusted manufacturers including architectural shingles, metal roofing, and flat roofing systems. We'll recommend the best option for your home and budget.

What warranty do you provide?

Every new roof comes with the manufacturer's material warranty (typically 30–50 years on architectural shingles, lifetime on metal) plus our 5-year workmanship warranty on installation. If anything fails because of how we installed it, we come back and fix it free. No fine print, no hassle.

What areas of the Rio Grande Valley do you serve?

We serve all 45+ cities across the Rio Grande Valley — Hidalgo, Cameron, Willacy, and Starr counties — including McAllen, Brownsville, Edinburg, Pharr, Mission, Harlingen, Weslaco, San Juan, Alamo, and South Padre Island. If you're in the RGV, we'll come give you a free inspection.

Do you work in Spanish too?

Yes — completely. Ronnie and most of the Baccaro crew are native Spanish speakers, and we run the entire job in Spanish if that's what you prefer: inspection notes, written quote, insurance adjuster meeting, daily progress check-ins, final walkthrough. The /techos/ section of our site and our Spanish blog posts are written in native Spanish, not translated. Roofing decisions are too important to lose detail in a language gap. Call (956) 600-0501 and ask for Ronnie en español.

Do you work on commercial roofs?

Yes. Baccaro Roofing handles flat and low-slope commercial systems — TPO, EPDM, modified bitumen, and metal — across the RGV. We work with property managers, HOAs, retail centers, and small industrial clients. Same free inspection policy: we'll diagnose what's wrong and quote it honestly before any contract.

Can I finance my roof?

Yes — financing is available on roof replacements through partner lenders so you don't have to cover the full cost upfront. Most homeowners qualify, the application is quick during your inspection visit, and we don't pull credit unless you ask. Visit baccaro-roofing.com/financing for current options, or just mention it during your free inspection and Ronnie will walk through what fits. No pressure if cash works better for you — we won't push financing on anyone.

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Baccaro Roofing GuideHow to Choose a Roofing Contractor in South Texas

Q: How long have you been in business?

Baccaro Roofing has served South Texas for over 5 years, with more than 500 completed projects and a 5.0-star rating across our 20+ Google reviews. Ronnie Baccaro is the owner-operator and personally inspects every job. We're built on RGV referrals — most of our work comes from neighbors recommending us.

Q: Are you licensed and insured?

Yes. Baccaro Roofing is fully insured for general liability and workers' comp, and operates across the Rio Grande Valley with all required local permits pulled on every job. We carry full documentation on every job site and can provide certificates of insurance on request before any work begins.

May 2, 20268 min read

TL;DR: After every Texas storm, dozens of out-of-state storm-chasers descend on the RGV. Filter them with these 10 questions: 5+ years local, COI on file, manufacturer certification (GAF Master Elite / OC Platinum / CertainTeed SELECT), written warranty + workmanship terms, line-item estimate, deposit ≤33%, never "we'll cover your deductible" (Texas insurance fraud).

After every major hurricane or hail event in the Rio Grande Valley, out-of-state "storm chasers" flood McAllen, Edinburg, and Brownsville with door-to-door pitches. Some are legitimate; most are not. Use the 10 questions below to separate real contractors from people who'll take a deposit and disappear.

The 10 questions to ask before signing anything

### 1. Are you licensed and insured in Texas?

Texas doesn't require a state-level roofing license, but a legitimate contractor will carry general liability insurance and workers' compensation. Ask for certificates of insurance — not promises. A good contractor emails them to you the same day. No certificate = walk away. If a worker gets hurt on your property and the contractor is uninsured, you can be held liable.

### 2. Where is your local office?

Real contractors have a physical office or job-site presence in the area. Storm chasers operate out of a hotel for 60–90 days then leave. Ask the address. Drive by. If it's a P.O. box or a national chain franchise that just opened, be cautious.

### 3. Can I see your TX driver's license?

Sounds aggressive but it's standard. Match the name on the ID to the name on the contract, the insurance certificate, and the GBP listing. Mismatches are a red flag.

### 4. How long have you been in business?

Anything under 3 years in the RGV specifically is concerning. Storm-chasing contractors typically rebrand every 1–2 years to escape complaints. Look up the business on the Texas Comptroller's franchise tax records — real businesses have a paper trail going back years.

### 5. Can I see 5 recent local references with phone numbers?

References from McAllen, Edinburg, Brownsville, or wherever you live. Call 2–3 of them. Ask: - Did the project finish on time? - Did anything come up that wasn't in the original estimate? - Would you hire them again?

### 6. Are you on Google Business Profile? Show me the reviews.

Real local contractors have 50+ reviews accumulated over years. New profiles (under 6 months old) with 5-star reviews only are a red flag — could be fake. Look for a mix of detailed reviews mentioning specific work, ideally with response from the owner.

### 7. What manufacturer warranties do you register me for?

A good contractor is an authorized installer for at least one major manufacturer (GAF, Owens Corning, CertainTeed) and registers the manufacturer warranty in your name. Manufacturer warranties typically run 25–50 years on shingles, lifetime on metal. Ask for the warranty registration number after install — keep it with your home docs.

### 8. What's your workmanship warranty?

In addition to the manufacturer warranty, the contractor should offer their own workmanship guarantee covering installation defects. Industry standard is 5 years. If they offer "lifetime workmanship" but they've only existed for 2 years, the lifetime promise is meaningless.

### 9. Can I see a written, itemized estimate?

Not a verbal quote, not a one-line total. A real estimate breaks out: - Material (brand, product line, quantity) - Labor (tear-off, install, cleanup) - Decking allowance (per sheet pricing) - Flashing, drip edge, ridge vent - Warranty terms - Timeline - Payment schedule

If they refuse to put it in writing or pressure you to sign before you can read it carefully, walk away.

### 10. What's the payment schedule?

Never pay 100% upfront. Standard schedule: - ~10% deposit when contract is signed (or 0% — many quality contractors don't take a deposit at all) - ~40–50% on day of material delivery - Balance on completion + your inspection signoff

If they want full payment before work starts, that's a major red flag.

Insurance claim red flags

If you're filing a storm damage claim, two specific scams to avoid:

### "We'll waive your deductible"

This is illegal in Texas under §27.02 of the Insurance Code. Contractors who promise to absorb your deductible are committing insurance fraud — and your claim can be denied entirely if discovered. Walk away from anyone offering this.

### "Sign this contingency contract — it just authorizes us to inspect"

Some contracts marked as "inspection authorization" actually commit you to using that contractor for the entire repair. Read every page before signing. Never sign anything that includes "Assignment of Benefits" (AOB) without understanding what it means — it transfers your insurance claim rights to the contractor.

For more on the claims process, see our [insurance claim guide](/blog/how-insurance-claims-work-for-roofing).

What to look for in a quality RGV contractor

The right contractor for a Rio Grande Valley homeowner has:

5+ years operating in the RGV specifically — knows local building codes, weather patterns, and which materials hold up
Bilingual English/Spanish service — important for a region where 50%+ of homeowners are Hispanic
Licensed and insured with current certificates
Authorized installer status with at least one major manufacturer
GBP with consistent NAP (name, address, phone) and 50+ reviews
Hurricane-rated installation experience — standard for any roofer doing coastal work
Written, itemized estimates with no pressure to sign same-day
Workmanship warranty in writing (5+ years standard)

Why we're confident in our work

Baccaro Roofing has served the Rio Grande Valley for 5+ years from a real local office. Licensed, insured, fully certified for premium manufacturer warranties. 20+ verified Google reviews averaging 5.0 stars. Bilingual crew. Free written estimates with no high-pressure sales tactics.

Call (956) 600-0501 for a free inspection. We'll show you our license, insurance certificates, and references on the first visit. Use this guide's 10 questions on us — we expect them.

_Sources: [Texas Department of Insurance — Fraud Reporting](https://www.tdi.texas.gov/fraud/) · [Better Business Bureau](https://www.bbb.org/) · [GAF Master Elite directory](https://www.gaf.com/en-us/roofing-contractors/) · [Owens Corning Platinum directory](https://www.owenscorning.com/en-us/roofing/contractors)._