Colorado roofing law on insurance claims: what a roofer may and may not say, and the notice your contract needs

Published November 3, 2026 · Colorado Revised Statutes 2026, Division of Insurance guidance and the Denver and Aurora door-to-door codes checked November 3, 2026

• Free. The Colorado insurance claim addendum comes by email.
• Deepsel is our product: free estimate, invoice and scheduling software for contractors (scheduling and dispatch, quotes, invoicing, card payments). The section before the FAQ says where it fits and where it doesn't.
• Not legal advice. Have a Colorado attorney read the addendum before you use it.

In Colorado a roofer can't pay, waive or rebate any part of a homeowner's insurance deductible, can't advertise or promise to, and can't act as the homeowner's public adjuster. You can inspect the roof, write your own estimate and, once the owner has signed your contract, discuss the scope of repairs with their insurer.¹ The contract for any residential roof over $1,000 has to carry a deductible statement, give the owner 72 hours after signing and 72 hours after an insurance denial to back out, and promise in bold type that you'll hold their money in trust until the materials are on site.¹

Break the deductible rule and the insurer can ignore your estimate, and the owner or the insurer can sue you.¹ Pad the price to hide a waived deductible and it's insurance fraud, a felony.⁶ Negotiate the claim for the owner and you're adjusting without a license, a deceptive trade practice since August 12, 2026.^2,4 In Denver, every door knocker needs their own peddler license.¹¹

The pressure shows up on the first storm call. One owner wrote: "I've lost 3 jobs so far from companies that offer to pay the deductible."¹⁶ (He works in Texas, which has its own deductible law.) Colorado's answer is a short statute, passed in 2012 as Senate Bill 38. I read it and the rules around it on November 3, 2026, and every rule below links to its source. The general contract rules are on my Colorado contract template page and Denver's roofing certificates on the Colorado license page, so I don't repeat them here.

The claim addendum puts every statement the statute requires on a claim job into a short addendum that attaches to your main contract, with blanks for the insurer, claim number, adjuster, deductible and scope. Get it three ways: make your own copy in Google Docs (opens in your Drive), download the Word version (.docx), or download the PDF. Pick a format, enter your email and I'll send the links.

Who Colorado's roofing contractor law covers

The statute is C.R.S. 6-22-101 to 6-22-105, and it comes with no license or registration of its own. It follows the job.¹

Townhomes are the tangled part, because the two definitions overlap. I'd treat any townhome roof as covered. Siding and gutters on the same claim aren't roofing work, but the owner has one deductible, and the fraud law covers the whole claim, so I'd run the whole claim by the roofing rules.

In Denver, your license comes through a Class D roofing certificate (Roofing-Shingles Only, or Roof Covering and Waterproofing). The statute sits on top of it. Aurora requires its own contractor license to "build, construct, alter, repair" any building there.¹²

Can a roofer pay the deductible in Colorado? No, and the contract has to say so

The rule, C.R.S. 6-22-105(1): a roofing contractor paid from a homeowner's insurance claim "shall not advertise or promise to pay, waive, or rebate all or part of any insurance deductible applicable to the claim."¹ Your contract must also carry a statement that you "cannot pay, waive, rebate, or promise to pay, waive, or rebate all or part of any insurance deductible."¹ "All or part" means $100 counts the same as $2,000.

What counts as rebating the deductible

The statute doesn't define "rebate" or give examples. My reading, which a Colorado lawyer should confirm: anything of value that comes back to the owner so they end up paying less than their deductible. That covers:

• cash back, or a "discount" the insurer never sees;
• a gift card, a referral fee, or a yard-sign or advertising payment on the owner's own job;
• free upgrades the insurer isn't paying for (better shingles, new gutters) handed over in place of the deductible;
• a payment plan for the deductible that you never collect.

Two things stay legal. A real price cut is fine if the insurer gets the lower price too: then the insurer pays less and the owner still pays the full deductible. And an owner who can't pay $3,000 at once can pay you the deductible over a few months. That's still the owner paying it, as long as you collect every dollar.

What happens if you do it anyway

• The insurer "is not obligated to consider the estimate of costs for the roofing work prepared by the roofing contractor."¹
• The homeowner or the insurer "may bring an action against the roofing contractor" for the damages the violation caused.¹
• If the price you give the insurer is padded to cover the deductible, the claim contains "false material information." Presented with intent to defraud, that's insurance fraud, a class 6 felony.⁶
• A 2026 law (SB 26-155) sets up grants for hail-resistant roofs, funded by a fee on insurers from 2027. A contractor paid from that program must attest that it "does not waive deductibles," and is barred from waiving them.⁷

How to collect it

Colorado has no rule on how. I'd write the amount into the contract and collect it as its own payment when the materials arrive. One owner's habit: "I always collect a separate check for the deductible with deductible written in the memo line."¹⁷ On the final invoice, show the full price, the insurance money and the owner's payment, so anyone can see the owner paid their share. Get the real number from the declarations page or the insurer's estimate: the Division of Insurance warns homeowners that many wind and hail deductibles are a percentage of coverage, "1%, 2% or 5%."⁸ On $400,000 of dwelling coverage, 1% is $4,000.

Talking to the insurer: where roofing stops and public adjusting starts

Colorado draws the line in one subsection. A roofer "shall not claim to be or act as a public insurance adjuster adjusting claims for losses or damages," but nothing stops you "discussing, on behalf of the property owner, the scope of repairs with a property and casualty insurer when the roofing contractor has a valid contract with the property owner."¹ The scope is yours to talk about. The settlement belongs to the owner and their insurer.

Supplements fit inside the line. The Division of Insurance tells homeowners to report damage found during repairs "before allowing repair work to continue. The insurer will review and issue a supplement if approved."⁸ So when you find rotten decking, stop, show the owner, send the insurer the facts and your price, and write a change order. Coverage is the insurer's call, and arguing it is the owner's. Before the signature, deal only with the owner: the safe harbor for talking scope applies "when the roofing contractor has a valid contract."

What a public adjuster is in Colorado, and the license

Colorado defines a public adjuster as anyone who, "for compensation or any other thing of value on behalf of the insured," acts or aids "in negotiating for, or effecting, the settlement of a claim," or holds themselves out as one. That takes a license from the Division of Insurance: a written exam and a surety bond of at least $20,000.² The license won't let you do both jobs either. A licensed public adjuster "shall not participate directly or indirectly in the reconstruction, repair, or restoration" of property on a claim they adjust.² An owner who wants someone to fight the insurer hires a licensed public adjuster or a lawyer, and you stay the roofer.

The contract wording that gets roofers in trouble

The Colorado Roofing Association warned members in 2018 about two Texas cases against Lon Smith Roofing. Courts there voided a contract that let the roofer "pursue homeowners best interest for all repairs, at a price agreeable to the insurance company" and the roofer, because that was unlicensed public adjusting. The roofer couldn't collect, and a class of about 3,000 customers went after it.⁹ I found no Colorado case on the point. The association expects Colorado courts to read such language the same way, and it found Colorado forms with lines like "give authorization to negotiate with your insurance company regarding any claims related matter."⁹ Take anything like that out of yours.

I found no Colorado statute on assigning a property claim to a contractor. The risk is the adjuster rule again: an assignment or power of attorney that has you dealing with the insurer instead of the owner looks like adjusting, and the Attorney General warns homeowners against giving a solicitor "power of attorney or other permission" to deal with their insurer.¹⁰ The addendum says the owner keeps the claim.

What unlicensed adjusting costs

Since August 12, 2026, practicing "a profession or occupation in the state despite failing to obtain the qualifications required by law" is a deceptive trade practice. That opens you to civil penalties of up to $20,000 per violation, and to an owner's suit for actual damages or $500, tripled for bad faith, plus attorney fees.⁴ The insurance commissioner can also order anyone who violated the insurance title to stop and fine them up to $3,000 per violation, $30,000 in total. Whether that reaches a roofer is untested.³ And then there's the contract, as in Texas.

Roofing contingency agreements and the claim contract

Colorado law never says "contingency agreement." It says that "Prior to engaging in any roofing work," you give the owner a written contract, signed by both of you, with the required terms.¹ My reading: a contingency paper that commits the owner to you is that contract, so give it every term. The one roofers skip on a claim is "The approximate costs of the services based on damages known at the time the contract is entered."¹ That's your number. "Whatever insurance approves" isn't one, and it's the clause the roofing association warns about. The other terms (scope, dates, your contact details and insurer, both rescission rights) are on the contract template page. If the insurer approves a different scope, price it on a change order the owner signs.

The owner's three ways out

Sources: the statute for the first two columns,¹ the FTC rule for the third.¹⁴ "In part" is the one that bites. If the insurer approves $9,000 on your $14,000 roof, the owner can walk within 72 hours of that letter. You refund everything but the value of work actually done, and keep a common-law claim for "the reasonable value of roofing materials ordered and actually installed."¹ Dated photos and job-cost records prove both.

When you can take money

Nothing in Colorado law makes you wait for the insurer's decision before taking a deposit. Three rules make a big early deposit pointless anyway: the owner gets all of it back for 72 hours after signing; it stays in trust until you've "delivered roofing materials at the residential property site or ... performed a majority of the roofing work"; and after a denial it goes back within 10 days, less the value of work done.¹ On a claim job I'd take nothing, or a small deposit, at signing, and bill the deductible and the first draw when the materials land.

The statements your contract must carry, word for word

Colorado says what each statement must say, not the exact words, and sets no type size. Only the trust statement has a format. The wording below is the addendum's, kept as close to the statute's text as plain English allows.

Sources: C.R.S. 6-22-103 and 6-22-105,¹ and 16 CFR 429.1.¹⁴ The addendum sets all the Colorado statements in bold anyway.

Door knocking after a hailstorm: state law, Denver and Aurora

"Storm chaser" isn't a legal term in Colorado. The rules that reach a canvassing roofer are these.

Statewide

• Within 30 seconds of starting the conversation, a door-to-door seller must identify "themself, whom they represent, and the purpose of the visit." Skipping it is a deceptive trade practice.⁴
• No deductible offers in ads, flyers, door hangers or yard signs: the statute bans advertising them too.¹
• Nothing that presents you as the person who handles the owner's claim. I found no Colorado ban on a title like "insurance claim specialist" by name, but holding yourself out as a public adjuster is adjusting.²
• A contract signed at the door needs the federal 3-day notice and two cancellation forms.¹⁴
• After a declared disaster, "a price so excessive as to amount to price gouging" for repair work in the disaster area is an unfair practice. If the governor's declaration cites the rule, more than 10% over your pre-disaster price counts, unless your costs went up. It lasts until 180 days after the final declaration expires.⁵

Denver

Denver calls door-to-door sellers peddlers, and its definition covers "selling or canvassing" for services delivered later.¹¹ So I'd license every knocker, including the ones who only book inspections.

• Each person needs their own license, even when they work for a company: $25 to apply, $50 a year, a criminal history form and two character references. The card is worn where people can see it, and any homeowner can ask to see it.¹¹
• No door-to-door sales at homes "from one-half hour after sunset until 8:00 a.m. the next day."¹¹
• Leave when told to, and don't knock where a sign says solicitation "is not desired or is prohibited."¹¹
• When you sell work at the door to be done later, hand over a signed receipt at the time of sale with your name, address and phone, the work, the expected date, the amount paid, the balance and the payment terms.¹¹
• A Denver code violation carries up to a $999 fine and a year in jail.¹¹

Aurora

• The company needs a door-to-door seller's license, and every person who knocks needs a city photo ID badge, applied for one by one.¹²
• The badge lasts 90 days and can't be renewed: each knocker applies again every 90 days, listing the dates, times and routes they'll work.¹²
• The code still asks for a $1,000 bond per seller, but the city's own procedure says "Per the City Attorney's Office, the surety bond in Section 86-229 is no longer required."¹²
• It applies only in residential areas. A knocker caught without a badge can cost the company its license.¹²

Colorado Springs

I found no door-to-door sales license in the Colorado Springs code. Its solicitation ordinance is written for requests for "a gift of money or other thing of value," and says "Displaying a 'No Soliciting' sign constitutes a request to refrain from soliciting."¹³ Respect the sign anyway, and call the city clerk before a big canvass.

What getting it wrong costs

On the next claim job: a checklist

When they ask "will you take care of my deductible?"

Say something like this, in your own words:

"Colorado law doesn't let me pay, waive or discount any part of your deductible, and it doesn't let me promise to. If another roofer offers, that offer breaks the law, and your insurer doesn't have to consider their estimate. What I can do is show your insurer every bit of damage I find and give you one price in writing. Your deductible is part of that price. I collect it as a separate check when the materials arrive."

The paperwork

• ☐ Your main contract with the Colorado terms, plus the claim addendum, both signed before any work.
• ☐ The bold trust statement on page 1 of the main contract.
• ☐ Signed at the house: the federal 3-day statement by the signature and two Notice of Cancellation forms.
• ☐ Insurer, claim number, adjuster and deductible written into the addendum.
• ☐ No materials ordered until 72 hours after signing (and three business days on a home sale).

Document the roof

• ☐ Photos before you tarp or touch anything: each slope wide, then close-ups of the hits with something for scale, then the soft metals (vents, flashing, gutters, downspouts).
• ☐ Measurements and a sketch, with old damage and earlier repairs noted separately so nobody can say you claimed them.
• ☐ Everything dated and filed with the job, and sent to the insurer only after the contract is signed.

The adjuster meeting

• ☐ The owner knows when it is. You're there as their roofer.
• ☐ Show the damage, hand over your estimate and photos, answer construction questions.
• ☐ Don't argue coverage or the dollar figure. If the owner disagrees, the Division of Insurance tells them to ask for "an itemized explanation of the claim settlement offer," and on a denial a letter with "the specific policy language."⁸ From there it's the owner, a licensed public adjuster or a lawyer.
• ☐ Ask the owner for a copy of the insurer's estimate so you can compare scopes.

Getting paid

• ☐ The deductible as its own payment when materials are delivered. Insurance money goes to the owner, who pays you under the contract.
• ☐ Extra damage found mid-job: stop, tell the insurer, signed change order before you go on.

If the claim is denied after signing

• ☐ The owner has 72 hours from receiving the written denial, full or partial, to rescind.¹ Don't order until you know.
• ☐ If they rescind: refund within 10 days, keeping only the value of work actually done.¹
• ☐ If they don't: the contract stands. Offer a smaller scope or a retail price by change order if that keeps the job.

Retail or claim work?

When we went through roofing owners' posts this year, the small ones who said what they sell ran 16 retail to 5 storm, while 8 of the 18 roofing company websites on our list advertise claim or storm work. Claims pay more per square in hail country. A Colorado Springs roofer: "Insurance is paying around $600-$700/ square. I'm not getting many bids back at anything over $500/square."²⁰ They also eat time: "Some of these claims can end up being upwards of 10 or 20 hours of time spent getting it approved."¹⁸ Another owner's advice: "Honestly I do about half retail and half insurance. In my opinion retail is the way to go as much as you can."¹⁹

An attorney told Roofing Contractor in September 2026 that "The day of having a contingency-based contract that is solely based on getting paid by insurance is numbered," with contractors moving to agreements where the homeowner "remains responsible for paying for the work performed."¹⁵ That's how the addendum is written: the owner owes your price, and the insurance money is theirs to pay it with.

The Colorado insurance claim addendum

It's five short sections, a signature block and a rescission form, and it attaches to your main roofing contract (mine is the Colorado contract template). It doesn't replace the contract's general terms or the federal 3-day forms. It has:

• the bold trust statement at the top, then blanks for your contact details, Denver license, liability insurer and any surety, and the insurer, policy and claim numbers, date of loss, adjuster and deductible;
• Sections 1 to 5: scope, dates and your approximate price; both 72-hour rescission rights; the deductible statement and a no-rebate promise; the claim staying the owner's (no adjusting, no assignment, supplements by change order); and payments, with the deductible as its own payment;
• Appendix A, a rescission form the owner can send you, and Appendix B, notes for you (door-knocking rules, the deductible script, what never to write) to remove before the owner gets it.

Its statements are worded as in the table above. Download it: copy it into Google Docs, get the Word file, or the PDF.

More for new roofing companies

• Roofing price per square: what to charge, crew pay and your real margin, with a free rate sheet.
• Roofing estimate template and checklist: every line from tear-off to dump fee, with a free spreadsheet and roof sheet.
• Roofing contract template: the decking and extra-layer clauses that stop you eating the cost.
• Roofing insurance and workers comp: what it costs in your state, the official comp rates and what can sink you, with a free checklist.
• Your roofing license, whether gutters and siding are included, and your first 30 days: Louisiana, Massachusetts, Minnesota, Utah, Virginia.

Where Deepsel fits

Deepsel is free estimate, invoice and scheduling software for contractors, and it has no insurance claim tools: no fields for the insurer, claim number or adjuster, no supplement tracking, no roof measurements. On a claim job it does the paperwork around the roof. The shop-wide terms text you set once is copied onto every quote, so the addendum's statements can sit there. Quotes can carry options, and the owner approves and signs on screen. Roof photos go on the quote as internal files and follow it to the job. The claim number and adjuster go in the job's internal notes. On the invoice, record the insurance check and the owner's deductible check as separate check payments, each with its check number. One caution: if you turn on a card deposit, it's charged when the owner approves. On a Colorado roof that money must stay in trust until the materials are on site, and it's fully refundable for 72 hours, so keep it small (card refunds go through Stripe). The Free plan covers 30 estimates and 30 invoices a month for your whole team, with scheduling and dispatch, quotes, invoicing, card payments, and customer and equipment records; Pro is $29 a month with unlimited estimates and invoices. Details are on the pricing page.

Frequently asked questions

Can a roofer pay the deductible in Colorado?

No. A roofer paid from a homeowner's insurance claim may not advertise or promise to pay, waive or rebate any part of the deductible (C.R.S. 6-22-105), and the contract has to say so. If one does, the insurer doesn't have to consider that roofer's estimate, and the homeowner or the insurer can sue. Padding the price to cover it is insurance fraud, a class 6 felony.

Who does the homeowner pay the deductible to?

To the roofer, as part of the contract price. The insurer takes the deductible off what it pays, and the homeowner pays the roofer the full price: the insurance money plus their own money for the deductible. Colorado sets no rule on when or how. Many roofers collect it as a separate check when the materials arrive.

Do roofers have to be licensed in Colorado?

Not by the state. Colorado licenses electricians and plumbers and leaves roofers to cities and counties. Denver licenses roofers through two Class D certificates (Roofing-Shingles Only, and Roof Covering and Waterproofing), and Aurora has its own contractor license. The state roofing statute applies either way.

Can a roofer talk to the homeowner's insurance company in Colorado?

About the scope of repairs, yes, once the homeowner has signed your contract. You can send your estimate and photos and meet the adjuster on the roof. You can't negotiate the settlement, argue coverage, or claim to be the owner's public adjuster. That's adjusting without a license.

How do you get a public adjuster license in Colorado?

From the Colorado Division of Insurance. A public adjuster is licensed as an insurance producer, so a resident applicant passes a written exam, and the license needs a surety bond of at least $20,000. It won't let you roof the same claim: a licensed public adjuster may not take part, directly or indirectly, in repairing property on a claim they adjust.

Is a roofing contingency agreement legal in Colorado?

Nothing bans one, but I'd treat it as the roofing contract the statute requires, so it carries every term: scope, approximate dates, your approximate price based on the damage known at signing, your contact details and insurer, both 72-hour rescission rights and the deductible statement. A price of whatever the insurer approves is the clause the Colorado Roofing Association warns can make the roofer a public adjuster.

What changed in Colorado roofing law in 2026?

The roofing statute only got gender-neutral wording (HB 26-1426, effective August 12, 2026). The same bill made practicing an occupation without the qualifications the law requires a deceptive trade practice, which reaches anyone adjusting claims without a public adjuster license. And SB 26-155 set up grants for hail-resistant roofs, funded by a fee on insurers from 2027; contractors paid from those grants may not waive deductibles.

Is there a Google Docs, Word or PDF version of the addendum?

All three, and all free. The Google Docs link makes a copy in your own Drive, the .docx opens in Word, and the PDF prints as is. The bold statements and the rescission form carry over in every format.

Sources

1. Colorado Revised Statutes 6-22-101 to 6-22-105, Roofing Services - Residential Property (enacted by SB 12-038): 6-22-101(1)(c) (purpose: "Prohibiting roofing contractors from paying, waiving, rebating, or promising to pay, waive, or rebate"), 6-22-102 (roofing contractor; residential property; roofing work; "one thousand dollars or less per contract" excluded; new construction excluded), 6-22-103(1) (written contract "Prior to engaging in any roofing work"; approximate costs "based on damages known at the time the contract is entered"; contact details; surety and liability insurer; 72-hour rescission clause; 6-22-104 statement; deductible statement) and (2) (trust statement "on the face of the contract, in bold-faced type"), 6-22-104 (72 hours after a written denial "in whole or in part"; supplemental exception; notice methods; return of payments "Within ten days"; retention for "the actual work performed"; materials "ordered and actually installed"), 6-22-105 (deductible ban; insurer "not obligated to consider the estimate"; damages action; no acting as a public adjuster; scope discussions "when the roofing contractor has a valid contract"). 2026 amendment by HB 26-1426 (gender-neutral wording in 6-22-103 and 6-22-104, effective August 12, 2026). olls.info, Colorado Revised Statutes 2026 (Office of Legislative Legal Services), read November 3, 2026.
2. Colorado Revised Statutes title 10, article 2: 10-2-103(6)(b) (a public adjuster is an insurance producer) and (8.5) (definition of public adjuster), 10-2-401(1) (license required), 10-2-402(1) (written examination), 10-2-417(1)(a) (no acting or holding out as a public adjuster without a license), (2)(a)(I) ($20,000 surety bond) and (6)(g) (no part in the "reconstruction, repair, or restoration" of property on a claim the adjuster handles). olls.info, Colorado Revised Statutes 2026, read November 3, 2026.
3. Colorado Revised Statutes 10-3-1102(3) ("Person" includes those "engaged in the insurance business, including ... adjusters"), 10-3-1107 (hearings when a person "has violated any other provision of this title") and 10-3-1108(1)(a) (cease-and-desist order; penalty "not more than three thousand dollars for each act or violation but not to exceed an aggregate penalty of thirty thousand dollars"). olls.info, Colorado Revised Statutes 2026, read November 3, 2026.
4. Colorado Consumer Protection Act: C.R.S. 6-1-105(1)(p) (door-to-door seller identifies "themself, whom they represent, and the purpose of the visit" within thirty seconds) and (1)(z)(II) (practicing "a profession or occupation in the state despite failing to obtain the qualifications required by law"), both as amended by HB 26-1426 effective August 12, 2026 (2025 text compared on law.justia.com); 6-1-112(1)(a) and (c) (civil penalties up to $20,000 per violation, $50,000 against an elderly person); 6-1-113(2) (actual damages or $500, or three times actual damages for bad faith, plus attorney fees). olls.info, Colorado Revised Statutes 2026, read November 3, 2026. HB 26-1426 summary: leg.colorado.gov, read November 3, 2026.
5. Colorado Revised Statutes 6-1-730, Price gouging during declared disaster: (2)(b)(I) "Repair or reconstruction services"; (2.5) more than ten percent over the pre-disaster price when the declaration cites it; (3) supplier-cost defense; (4) enforced "solely by" the Attorney General or a district attorney; (5)(f) disaster period ends 180 days after the final declaration expires. olls.info, Colorado Revised Statutes 2026, read November 3, 2026.
6. Colorado Revised Statutes 18-5-211, Insurance fraud: (1)(b) presenting "with an intent to defraud ... any insurance claim, which claim contains false material information"; (1)(e) false supporting material; (4)(b) a class 6 felony. olls.info, Colorado Revised Statutes 2026, read November 3, 2026.
7. Colorado Revised Statutes 10-4-2004, Strengthen Colorado Homes enterprise grant program (SB 26-155, effective August 12, 2026): (3)(f)(II) contractor "Attests that the contractor does not waive deductibles"; (4) "A contractor that is awarded bids and receives grant money from the grant program is prohibited from waiving homeowner's insurance deductibles." olls.info; fee "Beginning in the 2027 calendar year" from the bill summary at leg.colorado.gov. Both read November 3, 2026.
8. Colorado Division of Insurance, "Consumer Advisory: Division of Insurance Shares Tips After Severe Hailstorm Pummels Eastern Colorado," May 22, 2024: wind and hail deductibles "a percentage of your coverage (for example, 1%, 2% or 5%)"; "ask the claims adjuster for an itemized explanation of the claim settlement offer"; a denial letter with "the specific policy language"; additional damage reported "before allowing repair work to continue. The insurer will review and issue a supplement if approved." doi.colorado.gov, read November 3, 2026.
9. Colorado Roofing Association, "Roofing Contractors Must Not Act as Public Adjusters - Check Your Contract Language," advisory dated January 24, 2018: the Texas cases (Reyelts v. Cross, N.D. Tex. 2013; Texas Court of Appeals, August 3, 2017) voiding Lon Smith Roofing's contract; contract language "likely to be considered by a court as a violation of Colorado law"; sample Colorado clauses. coloradoroofing.org (PDF), read November 3, 2026. (The association's summary; I didn't read the court decisions.)
10. Colorado Attorney General, "Preventing Home Repair and Roofing Scams," consumer alert, October 14, 2020: be cautious of giving a solicitor "power of attorney or other permission" to deal with the insurer "or to negotiate on your behalf." coag.gov, read November 3, 2026.
11. Denver Revised Municipal Code chapter 47, Solicitors, Peddlers and Canvassers: 47-16 (a peddler sells services "whether or not ... actually delivered at the time of sales," including "selling or canvassing"), 47-17(a) (each peddler working for a company "shall individually obtain a peddler's license"), 47-18 (false statements; signed receipt for future work; leaving when told and no-solicitation signs; no door-to-door sales at residences "from one-half hour after sunset until 8:00 a.m."), 47-26 and 47-32 (license required; card displayed and shown on demand); 32-101 ($25 application fee, $50 a year). library.municode.com. Denver Department of Licensing and Consumer Protection, "Peddler Guidelines" (criminal history form and two references; "The maximum penalty for violations of the Denver Revised Municipal Code is a $999 fine and one (1) year in jail"): denvergov.org. All read November 3, 2026.
12. Aurora City Code 86-226 to 86-233, Door-to-Door Seller's License (current through Ordinance 2026-42): license and identification card required (86-227), $1,000 bond per seller (86-229), card application with "dates and times" and "route or routes," expiring after 90 days without renewal (86-230), suspension or revocation if a seller has no card (86-232). aurora.municipal.codes. City of Aurora Tax and Licensing, "Door-to-Door Seller License Procedure Summary for Applicants" ("the surety bond in Section 86-229 is no longer required"): auroragov.org (PDF); "Additional Licensing" (residential areas only): auroragov.org; "Contractor Licensing and Lookup": auroragov.org. All read November 3, 2026.
13. Colorado Springs City Code 9.2.111, Solicitation Prohibited: "soliciting" is a request "for a gift of money or other thing of value"; "Displaying a 'No Soliciting' sign constitutes a request to refrain from soliciting." codelibrary.amlegal.com, read November 3, 2026.
14. Federal Trade Commission, Cooling-Off Rule, 16 CFR Part 429: 429.0(a) ($25 or more at the buyer's residence), 429.1(a) (statement "in bold face type of a minimum size of 10 points"), 429.1(b) (Notice of Cancellation), 429.1(g) (refund "within 10 business days"), 429.0(a)(3) (emergency exception with a handwritten statement). ecfr.gov, read November 3, 2026.
15. Roofing Contractor, "Insurance Battles Push Roofers to Rethink Storm Contracts," September 9, 2026 (Trent Cotney quoted). roofingcontractor.com, read November 3, 2026.
16. Reddit comment, August 4, 2025 (Texas): "I've lost 3 jobs so far from companies that offer to pay the deductible." reddit.com (since removed; read in an archive).
17. Reddit comment, August 6, 2024: "I always collect a separate check for the deductible with deductible written in the memo line." reddit.com.
18. r/Roofing comment, February 11, 2026: "Some of these claims can end up being upwards of 10 or 20 hours of time spent getting it approved." reddit.com.
19. Reddit comment, June 5, 2025: "Honestly I do about half retail and half insurance. In my opinion retail is the way to go as much as you can." reddit.com.
20. r/Roofing comment, August 13, 2024 (Colorado Springs): "Insurance is paying around $600-$700/ square. I'm not getting many bids back at anything over $500/square." reddit.com.