Contractor compliance · Checked October 22, 2026
The criminal exposure in storm work belongs to the contractor, not the homeowner. Texas made paying, waiving or advertising a deductible waiver a Class B misdemeanor in 2019 (§27.02 / Insurance Code ch. 707). Florida bans deductible inducements at $10,000 per occurrence (§489.147). Other states ban the advertising, some have no specific statute at all. Check the sentence before it goes in an ad, a contract or a sales script.
The checker judges only the claims our dataset covers — the phrases that actually appear in storm-market ads. Pick the sentence, pick the state.
Florida property-insurance claims must be filed within 1 year of the loss. A signed contract does not stop this clock.
Supplemental claims close 18 months after the loss. Hidden damage found at tear-off has a deadline, not just a scope.
Emergency roof-repair contracts carry a 10-day no-penalty cancellation right (§489.147(6)). The contract that skips the notice is the problem, not the paperwork.
Post-loss assignment of benefits is void on Florida policies issued on or after January 1, 2023 (§627.7152(13)). "We'll handle your whole claim" by assignment is over in Florida.
Homeowner-side claim math — ACV vs RCV, recoverable depreciation, the 180-day holdback clock — is a different tool, and it already exists in this portfolio: DepreciationDecoded. This page is the contractor's side of the same storm.
Status as checked October 22, 2026. "No specific statute found" means our researchers found no state law aimed at deductible waivers — general insurance-fraud law still applies everywhere, and the table is re-checked on the dataset sweep.
| State | Deductible-waiver law | Citation |
|---|---|---|
| Alabama | No specific statute found | — |
| Alaska | No specific statute found | — |
| Arizona | Ban — paying/waiving is an offense | A.R.S. §32-1158.02(J) |
| Arkansas | No specific statute found | — |
| California | No specific statute found | — |
| Colorado | Ban — paying/waiving is an offense | C.R.S. §6-22-105 |
| Connecticut | No specific statute found | — |
| Delaware | No specific statute found | — |
| District of Columbia | No specific statute found | — |
| Florida | Ban — paying/waiving is an offense | Fla. Stat. §489.147 |
| Georgia | Ban — advertising/promising banned | O.C.G.A. 33-23-43(c)(4) (as revised by 2011 HB 423); Insurance Commissioner Bulletin 18-EX-3 (Aug. 29, 2018) |
| Hawaii | No specific statute found | — |
| Idaho | No specific statute found | — |
| Illinois | Ban — paying/waiving is an offense | 225 ILCS 335 (contract statement, P.A. 104-427) and 815 ILCS 513/18(b) (Home Repair and Remodeling Act) |
| Indiana | Ban — advertising/promising banned | IC 24-5-11-10.5(a) (Home Improvement Contracts Act) |
| Iowa | Ban — advertising/promising banned | Iowa Code 103A.71 (Residential contractors) |
| Kansas | No specific statute found | — |
| Kentucky | Ban — paying/waiving is an offense | KRS 367.628(2) (Acts prohibited for roofing contractor / contractor) |
| Louisiana | Ban — paying/waiving is an offense | La. R.S. 51:451 and R.S. 51:452 (Acts 1991 No. 608; Acts 2022 No. 734) |
| Maine | No specific statute found | — |
| Maryland | Ban — paying/waiving is an offense | Md. Code, Insurance §27-407.2 |
| Massachusetts | No specific statute found | — |
| Michigan | No specific statute found | — |
| Minnesota | Ban — paying/waiving is an offense | Minn. Stat. §325E.66, subd. 1 |
| Mississippi | No specific statute found | — |
| Missouri | Ban — paying/waiving is an offense | Mo. Rev. Stat. §407.725 |
| Montana | No specific statute found | — |
| Nebraska | No specific statute found | — |
| Nevada | No specific statute found | — |
| New Hampshire | No specific statute found | — |
| New Jersey | No specific statute found | — |
| New Mexico | No specific statute found | — |
| New York | No specific statute found | — |
| North Carolina | No specific statute found | — |
| North Dakota | No specific statute found | — |
| Ohio | No specific statute found | — |
| Oklahoma | Ban — paying/waiving is an offense | 59 O.S. 1151.30 |
| Oregon | No specific statute found | — |
| Pennsylvania | No specific statute found | — |
| Rhode Island | No specific statute found | — |
| South Carolina | No specific statute found | — |
| South Dakota | No specific statute found | — |
| Tennessee | No specific statute found | — |
| Texas | Ban — paying/waiving is an offense | Tex. Bus. & Com. Code §27.02; Tex. Ins. Code ch. 707 (§§707.002, 707.004–707.006) — HB 2102 (2019) |
| Utah | No specific statute found | — |
| Vermont | No specific statute found | — |
| Virginia | Ban — paying/waiving is an offense | HB 677 / SB 402 (2026), Chapters 657/658, 2026 Acts of Assembly — new Residential Property Owners Protection Act provisions at Va. Code Sec. 59.1-615 (as drafted), effective January 1, 2027 |
| Washington | No specific statute found | — |
| West Virginia | No specific statute found | — |
| Wisconsin | No specific statute found | — |
| Wyoming | No specific statute found | — |
The checker gives you the verdict. The kit gives you the paperwork, in filing order: the application walkthrough for your state's class, qualifying-party documentation templates, the bond and insurance spec sheet with your state's exact minimums, the city-registration checklist pack for no-license states, and the contract-compliance pack (deductible language and required contract notices, including Florida's deadlines calendar).
$49 one-time payment
Included in the $49 RoofingLicenseCheck Kit — every item below, for every state, one payment.
