CJ-2026-1058 - SRS DISTRIBUTION, INC. v. ROOFGUARD ROOFING AND SERVICES LLC

What's This Case About?

Let’s be real: nobody tunes into a civil court drama expecting Shakespeare. But when a roofing company gets sued for $48,944.34—because, apparently, someone forgot to pay their roofing supply bill—you know we’ve officially entered the arena of petty capitalism at its finest. This isn’t just about shingles and invoices. This is about promises, credit lines, and the slow, soul-crushing weight of late fees. Welcome to SRS Distribution, Inc. v. Roofguard Roofing and Services LLC, where the only thing steeper than the roof pitch is the interest rate.

So who are these people? On one side, we’ve got SRS Distribution, Inc., a major supplier of building materials—think Home Depot, but with more invoices and fewer Saturday morning grilling demos. They’re the folks who keep contractors stocked up on shingles, flashing, underlayment, and all the other things that keep rain outside of your house. They’re based in Texas, but they’ve got tentacles (or, more accurately, distribution branches) across the South, including in Oklahoma, where our story takes a turn for the dramatic. Represented by the law firm Berman & Rabin, P.A.—and specifically by attorney Crystal Griffin—SRS isn’t here to play nice. They’re here to get paid.

On the other side: Roofguard Roofing and Services LLC, a storm and insurance restoration company founded in 2020, which, let’s be honest, is the perfect time to start a roofing business. Climate change is cooking the planet, hailstorms are now biblical, and insurance claims are flowing like cheap beer at a frat house. Roofguard, run by owner Steven Christian and co-owner Dominick Reynolds, positioned itself right in the sweet spot of that chaos. They’re a small shop—fewer than 10 employees—but they claimed annual sales between $3 million and $5 million. Not bad for a two-year-old company in the business of disaster recovery.

And how did they plan to scale? By opening a $100,000 credit line with SRS Distribution. That’s right—six figures, no cap, no purchase orders required. Roofguard wasn’t just buying supplies; they were wholesale loading on materials, promising to pay later. This wasn’t a “can I borrow $500 for some nails?” situation. This was a full-blown, trust-based, commercial relationship built on the fragile foundation of “we believe in your business model.” And for a while, it worked. Invoices flew, materials were delivered, and the roofs got fixed. But then… silence.

According to the petition filed on January 1, 2026, Roofguard stopped paying. Not gradually. Not with an apology email. Just poof. The balance? A cool $41,322.41 in unpaid principal—goods that were delivered, used, and presumably turned into someone’s new roof. But wait, there’s more! Add on $2,764.36 in miscellaneous charges (probably late fees, service charges, or the commercial equivalent of a passive-aggressive sticky note), and $5,257.57 in interest, and you’ve got a total demand of $48,944.34. That’s nearly $9,000 in penalties on top of the original debt. And let’s not forget: SRS is asking for even more interest going forward—“at the highest rate allowable by law,” which in Oklahoma is 18% per year. That’s loan shark territory, but hey, it’s all perfectly legal when you put it in the fine print.

How did we get here? Well, the credit application tells a story of ambition. Roofguard didn’t just want supplies—they wanted a pipeline. They listed Beacon, a major competitor to SRS, as a trade reference, suggesting they were already playing the credit game with multiple suppliers. They signed up for electronic invoices, delivery confirmations, marketing alerts—this was a company trying to look legit, professional, scalable. They even opted into RoofHub.Pro, which is basically the Tinder for roofers trying to place bulk orders. Everything was set up for growth. But somewhere between 2024 and 2025, the wheels came off.

Maybe the insurance checks stopped clearing. Maybe the storm season was quieter than expected. Maybe they overextended themselves and got caught in a cash flow black hole. We don’t know. The filing doesn’t accuse Roofguard of fraud or intentional deception—just that they’re “justly indebted” and haven’t paid up. No drama about fake invoices, no allegations of stolen materials, no shady shell companies. Just… unpaid bills. The most boring crime in capitalism.

So why are they in court? Because SRS wants to turn that debt into a judgment—a legal declaration that says, “Yes, Roofguard owes this money, and now we can collect it.” That opens the door to garnishing bank accounts, putting liens on property, or even tracking down Roofguard’s employees through the Oklahoma Employment Security Commission (which SRS specifically requested in the filing—yes, they want the state to help them find where Roofguard’s workers are getting paid). This isn’t just about getting a check. It’s about enforcement. And in the world of commercial debt, a judgment is the golden ticket.

Now, is $48,944.34 a lot? For most of us, yes—that’s a down payment on a house, or a year of rent in Tulsa. But for a roofing company doing $3–5 million in annual sales? It’s less than 2% of their revenue. It’s chump change in contractor terms. We’re not talking about a mom-and-pop shop skipping out on a $500 invoice. We’re talking about a company that claimed to be pulling in half a million dollars a month, now stiffing a supplier on less than a single month’s profit. That’s not a cash crunch. That’s a choice.

And that’s where the absurdity kicks in. The most ridiculous part of this case isn’t the money. It’s the audacity. Roofguard filled out a detailed credit application, listed their tax ID, gave personal information, signed a personal guarantee (though redacted, it’s implied), and then just… ghosted. No negotiation. No attempt to restructure. No “we’re having a hard quarter.” Just radio silence. Meanwhile, SRS had to hire a lawyer, file a petition, and formally demand what was owed—like a parent asking a teenager to finally clean their room.

We’re rooting for accountability, not blood. We don’t need Roofguard to go under. But we do need the message to be clear: in business, your word is your bond. You don’t build a $5 million operation on credit and then treat invoices like suggestions. The roofers who show up on time, pay their bills, and don’t leave homeowners with half-finished jobs—they’re the ones who deserve the storm restoration contracts. And if Roofguard wants to play in that league, they’ve got to start acting like it.

Until then, this case is a cautionary tale: in the world of commercial roofing, the only thing more dangerous than a hailstorm is an unpaid invoice.

Case Overview

$48,944 Demand Petition

Jurisdiction

DISTRICT COURT, OKLAHOMA

Filing Attorney

CRYSTAL GRIFFIN

BERMAN & RABIN, P.A.

Relief Sought

$48,944 Monetary

Plaintiffs

SRS DISTRIBUTION, INC. business
Rep: BERMAN & RABIN, P.A.

Defendants

ROOFGUARD ROOFING AND SERVICES LLC business

Claims

#	Cause of Action	Description
1	Accounts Receivable	Plaintiff seeks payment for goods and services sold to Defendant.

Petition Text

1,328 words

IN THE DISTRICT COURT OF TULSA COUNTY STATE OF OKLAHOMA SRS DISTRIBUTION, INC. Plaintiff; vs. ROOFGUARD ROOFING AND SERVICES LLC Defendant. Case No. CJ-2026-01058 PETITION COMES NOW Plaintiff SRS BUILDING PRODUCTS and for its cause of action against Defendant ROOFGUARD ROOFING AND SERVICES LLC states as follows: 1. Defendant is justly indebted to Plaintiff for goods, wares and merchandise sold and delivered and/or services provided, all at Defendant's special instance and request, the dates and items of which, together with prices charged, appearing on the statement of account attached hereto, made a part hereof, and marked "Exhibit A". 2. The prices charged are fair and reasonable and are the prices which Defendant promised and agreed to pay. 3. After all just credits and setoffs there is a principle balance due of $41,322.41, charges in the amount of $2,764.36, interest charges in the amount of $5,257.57, which became due on or before December 1st 2025, by which time demand was made for payment, but said balance remains due and unpaid. WHEREFORE, Plaintiff, SRS BUILDING PRODUCTS, prays for judgment against Defendant, ROOFGUARD ROOFING AND SERVICES LLC , for the principle sum of $41,322.41, charges in the amount of $2,764.36, interest charges in the amount of $5,257.57, with interest at the highest rate allowable by law per annum, from until paid in full, for all court costs, and for such other and further relief this Court deems equitable, just and proper. In addition, pursuant to 40 O.S. Sec. 4-508(D), Plaintiff, SRS BUILDING PRODUCTS, requests that, upon entry of judgment in favor of Plaintiff herein, an order be entered directing the Oklahoma Employment Security Commission to produce employment information of the Judgment Debtor from the records in their possession upon service of a certified copy of the Order within 120 days subsequent to the filing date of the Journal Entry of Judgment and Order. Respectfully submitted, BERMAN & RABIN, P.A. Crystal Griffin, OK #31460 PO Box 1382 Choctaw, OK 73020 PHONE: (913) 649-1555 FAX: (913) 652-9474 EMAIL: [email protected] ATTORNEY FOR PLAINTIFF Credit Application SRS DISTRIBUTION Applicant: Roofguard Roofing and Services LLC Roofguard Services (DBA name) Credit Request Credit amount requested: USD 100,000.00 Planned monthly purchase: USD $100,000 - $150,000 Purchase Order Required?: NO Tax Exempt purchase or service: NO Business Profile Number of Employees: Less than 10 employees Annual Sales: $3 million - $5 million Organization Type: LLC Style of Business: REROOF - STORM/INSURANCE RESTORATION Year Established: 2020 State/Province of Incorporation: OK Company Identification Federal Tax ID: 86-3718215 SALES ONLY - INTERNAL Price Level: 1 Territory Manager Change?: NO Sales Agent ID: CREDIT ONLY - INTERNAL Credit Rating/Credit Risk Code: M Bypass Amount: 1000 Tax Category: Invoices and Statements: Invoices and Statements are sent electronically. Please provide up to 5 email addresses and/or fax numbers to receive these documents. SRS Distribution 7440 S Highway 121, McKinney, TX 75070 Phone: (833) 290-7459 May 01, 2024 05:30 PM CDT Sales/Customer Service Rep: Jason Smith - JSIMITH Branches (Please select the closest state and location) TX - DALLAS - SRS BUILDING PRODUCTS - 1604 Peavy Road, 75228 [SSDAL] How many would you like to provide? 1 3 Order Confirmation: How many would you like to provide? 1 Language Preference (Preferencia de idioma) Language Preference (Preferencia de idioma) English (Inglés) Delivery Confirmation: If you would like to receive delivery confirmations by email and/or text message, please provide one email address and/or one cell number below: Email Cell Marketing: (Alerts; Notifications; Bulletins; Etc.) If you would like to receive notifications on increases/decreases in pricing, special buys, branch events, etc. please provide the information below: How many would you like to provide? (1 is required) 1 How did you hear about us? JobNimbus Name 1 Summer Sanchez Email 1 Cell 1 Roof Hub Online Acct Opt-In: (www.RoofHub.Pro) - Access your account information 24/7 and place orders online. YES Roof Hub Email Promo Code (Optional) Contractor's License Do you have a contractor's license? YES Please enter your contractor's license # ________ Expiration Date Website Information Website URL ____________________________ Driver's License Steven Christian ***************782 Owner/Principal Officers' Information Steven Christian Owner/Proprietor Phone: ______________________ E mail: ______________________ Dominick Reynolds Owner/Proprietor Phone: [REDACTED] E mail: [REDACTED] Bank and Trade References <table> <tr> <th>Reference Type</th> <th>Company</th> <th>Contact Person</th> </tr> <tr> <td>TRADE</td> <td>Beacon</td> <td>Joe Kisser</td> </tr> <tr> <td></td> <td>[REDACTED]</td> <td>[REDACTED]</td> </tr> </table> Shipping Information , Billing Information (For Statements and Invoices) & Accounts Payable Contact <table> <tr> <th>Ship To</th> <th>Bill To</th> <th>Accounts Payable Contact</th> </tr> <tr> <td>Steven Christian<br>Roofguard Roofing and Services LLC<br>[REDACTED]<br>[REDACTED](phone)<br>[REDACTED]@email.com</td> <td>Steven Christian<br>Roofguard Roofing and Services LLC<br>[REDACTED]<br>[REDACTED](phone)<br>[email protected]</td> <td>Steven Christian<br>Roofguard Roofing and Services LLC<br>[REDACTED]<br>[REDACTED]</td> </tr> </table> Personal Guarantee [REDACTED] Authorization AUTHORIZATION STATEMENT The Customer identified above hereby applies for open account credit from SRS Distribution, Inc., its affiliates, and subsidiaries including Heritage Pool Supply Group and Heritage Landscaping and their respective subsidiaries (collectively, "Seller"). The preceding information is for the purpose of obtaining credit and is warranted to be true. I/We hereby authorize Seller to investigate all references and customary credit information sources including consumer credit reporting repositories regarding my/our credit and financial responsibility for the purpose of obtaining credit and for periodic review for the purpose of maintaining the credit relationship. Terms of sale are noted on the invoice. COD restrictions may be placed on any past due account. A service charge of one-and-one-half percent (1-1/2%) per month or eighteen percent (18%) per annum may be assessed on delinquent invoices but not to exceed, at any time, the highest rate of interest legally allowed. All amounts due for purchases are payable to Seller at 7440 S Highway 121, McKinney, TX 75070. Applicant agrees that all issues and disputes relating to any credit arrangement extended hereunder shall be governed in accordance with a competent jurisdiction chosen at the discretion of Seller and that applicant expressly waives its venue rights without reference to conflicts of laws or legal principles. Applicant further agrees that the amount of credit desired and approved is not a limitation of liability, and the undersigned expressly agrees that it will be responsible for valid charges in excess of the line of credit either desired or approved. The extension of credit hereunder, the amount of credit and the cancellation or reduction of credit shall be within the sole discretion of Seller. In the event of default, and if this account is turned over to an agency and/or an attorney for collection, the undersigned agrees to pay all reasonable attorneys' fees, and/or costs of collection whether or not suit is filed. I/We understand that we must notify Seller in writing by certified mail of any change in ownership the name of the business or structure of the business under which credit was established. The Customer hereby represents that all goods purchased from the seller are for business or commercial purposes and are not intended for personal, family, or household uses. The person executing this agreement has the authority to bind the customer and is authorized by the customer to enter into the credit application terms and conditions. Terms and Conditions are incorporated herein. Terms & Conditions check to agree ☑ By checking this box, I agree to the attached Terms & Conditions. Click here to read. <table> <tr> <th>Application Completed By</th> <td>Steven Christian</td> <th>Title</th> <td>Owner/Proprietor</td> </tr> <tr> <th>Authorized Signatory</th> <td>Steven Christian</td> <th>Title</th> <td>Owner/Proprietor</td> </tr> </table> Signature P65MROWVTOCDKXQGYDEK Steven Christian E-mail: [email protected] Authorization For Electronic Credit Reference The undersigned agrees and authorizes SRS Distribution or any other reporting service employed by SRS Distribution to obtain credit reference information from references herein listed in this application. Please note that your authorization is also made available to your references herein listed in this application. Application Completed By Steven Christian Title Authorized Signatory Steven Christian Title Signature P65MROWVTOCDKXQGYDEK Date Steven Christian E-mail: [email protected]