Roofing sales and insurance claims: the rules by state
State rules roofing sales reps must know on insurance jobs: deductibles, the homeowner's right to cancel after a claim denial, and who may negotiate a claim.
Short answer: on insurance-paid roofing work, the states that have written rules tend to say the same three things. A contractor may not pay, waive or rebate the homeowner's deductible. A homeowner may cancel the contract within a few days of the insurer denying the claim. And a contractor may not negotiate the claim with the insurer unless licensed as a public adjuster. The details, and the number of days, differ by state. The table lists 13 states where we read the rule on an official source.
How to read this page
A state is listed only when we read the rule on the legislature's or the agency's own page; each row links to it. A state that is missing was not checked or could not be confirmed, which is different from having no rule. Laws change, so treat this as a starting point and confirm with the company and the agency before you sell. Sources were last read on November 6, 2026. This is general information, not legal advice.
The rules, state by state
| State | What the rule says | Source |
|---|---|---|
| Texas | An insured homeowner must pay the deductible, and it is an offense for a seller to pay, waive or rebate it. A contractor may not act as a public adjuster on a property where it does, or may do, the work. | Texas Department of Insurance |
| Florida | A contractor may not offer a rebate, gift or deductible waiver in exchange for a roof inspection or an insurance claim, may not interpret the policy or adjust the claim unless licensed as a public adjuster, and must give a good-faith itemized estimate with any repair agreement. The acts of anyone soliciting for a contractor count as the contractor's. | Fla. Stat. 489.147 |
| Colorado | A roofing contractor may not advertise or promise to pay, waive or rebate the deductible. A property owner may rescind a roofing contract within 72 hours of written notice that the claim was denied in whole or in part. | C.R.S. 6-22-104 (unofficial copy) C.R.S. 6-22-105 (unofficial copy) |
| Minnesota | A residential contractor may not advertise or promise to pay all or part of a deductible, or compensate the insured, and may not adjust a claim for the insured unless licensed as a public adjuster. An insurer need not consider the estimate of a contractor who breaks the rule. | Minn. Stat. 325E.66 |
| Nebraska | A contractor may not promise to rebate any part of a deductible, including by an allowance or discount. The homeowner may cancel before midnight on the later of the third business day after signing or after written notice that all or part of the claim is not covered. | Neb. Rev. Stat. 44-8604 Neb. Rev. Stat. 44-8603 |
| Missouri | A contractor may not advertise or promise to pay or rebate a deductible and may not represent or negotiate for the owner on an insurance claim. The insured may cancel before midnight on the fifth business day after notice that all or part of the claim is not covered, and the contract must carry a cancellation statement and form. | RSMo 407.725 |
| Iowa | A residential contractor may not advertise or promise to rebate a deductible and may not represent or negotiate for the owner on a claim for roof or exterior work. The contract must carry a notice of contract obligations and rights, and a contract made in violation is void. | Iowa Code 103A.71 |
| Kentucky | A roofing contractor may not offer to pay or rebate any part of a deductible and may not represent or negotiate a claim "as a public adjuster or otherwise". The contract may be cancelled before midnight on the fifth business day after written notice that all or part of the claim is not a covered loss. | KRS 367.628 KRS 367.622 |
| Oklahoma | Roofing contractors register with the Construction Industries Board, and the registration number must appear on contracts and solicitation materials. A roofing contractor may not advertise or promise to pay all or part of a deductible. The insured may cancel within 72 hours of written notice that all or part of the claim is denied, and the contract must say so. | Roofing Contractor Registration Act, 59 O.S. 1151.1 and following |
| Wisconsin | A residential contractor may not promise to pay or rebate any part of a property insurance deductible and may not negotiate with the insurer on the consumer's behalf. The consumer may cancel before midnight on the third business day after written notice that the claim is denied in whole or in part, and must be given a cancellation form. | Wis. Stat. 100.65 |
| Kansas | No one may act as a roofing contractor without a registration certificate from the Attorney General. The definition includes a person who offers or solicits roofing services. | K.S.A. 50-6,123 K.S.A. 50-6,122 |
| Georgia | The 2021 act bars advertising or promising to pay or rebate a deductible as an inducement to a sale, and says a contractor shall not act as a public adjuster or advertise to adjust claims. | House Bill 254 (2021), as signed |
| North Carolina | Contracts for residential roof replacement or repair must give a five-business-day cancellation period after an insurance claim denial. This applies to contracts entered on or after October 1, 2024. | Session Law 2024-11, legislative summary |
What this means at the door
- Never offer to cover the deductible, in any form: a discount, a gift card, a "free upgrade" or a referral fee. In several states the law lists those by name.
- Describe the damage, not the coverage. You can show photos, give an estimate and be on the roof when the adjuster visits. Saying what the policy covers, or bargaining with the insurer, is adjusting.
- Hand over the cancellation notice the state requires. Several states prescribe the wording and a tear-off form. Your company's contract should already contain it; know where it is.
- Carry the registration. Where the state registers roofers, the number belongs on the contract and on what you hand out.
What applies in every state
The federal Cooling-Off Rule gives buyers three business days to cancel most sales of 25 dollars or more made at their home, whatever the state adds. City solicitor permits are separate again: see the permit rules by city. Terms such as contingency agreement, ACV and RCV and supplement are in the glossary.
States not in the table
We looked for and could not open an official text for Illinois, Indiana and Tennessee, and did not complete Louisiana, Alabama, Ohio, Arizona or Utah. Secondary sources describe similar rules in several of them. Until we have read the law itself, they stay off the table. For day-to-day questions, the roofing sales FAQ covers how the claim process works and how reps are paid.
Questions
Which states let a homeowner cancel a roofing contract after the insurer denies the claim?
Among the states we have read: Colorado and Oklahoma give 72 hours after written notice of the denial; Nebraska and Wisconsin give three business days; Missouri, Kentucky and North Carolina give five business days. The clock starts when the homeowner receives the insurer's notice.
Which states ban roofers from paying or waiving the deductible?
Every state in our table that addresses deductibles bans it: Texas, Florida, Colorado, Minnesota, Nebraska, Missouri, Iowa, Kentucky, Oklahoma, Wisconsin and Georgia. The wording differs, and several also ban discounts, gifts and referral payments used to the same end.
Does a roofing sales rep have to know these rules, or only the company?
Both. The statutes are written to the contractor, but the rep is the one speaking to the homeowner, and Florida's law says outright that the acts of a person soliciting for a contractor count as the contractor's. A rep who promises to cover a deductible puts the company's license and the sale at risk.