Can a roofing contractor waive my insurance deductible?
Last updated · Storm damage & insurance
Short answer: In many states a contractor may not advertise, promise, pay, waive, or rebate your insurance deductible on a claim job. That "we'll cover your deductible" pitch is a red flag.
Colorado — C.R.S. § 6-22-105
A roofing contractor paid from property insurance proceeds shall not advertise or promise to pay, waive, or rebate all or part of the deductible. Violations let the insurer disregard that contractor's estimate and create civil exposure. The same article bars contractors from claiming to act as public insurance adjusters (while still allowing scope discussions when a valid contract exists).[1] Note: C.R.S. § 10-4-110.8 is a different statute (homeowners insurance consumer protections), not the deductible-waiver ban.[2]
Texas
Texas requires the insured to pay the deductible. The Texas Department of Insurance explains that contractors may not waive it, and Insurance Code Chapter 707 addresses the issue.[3][4] Texas also restricts contractors from acting as public adjusters on the same claim.[5]
Minnesota & Wisconsin
Minnesota prohibits offering to pay deductibles or giving things of value to induce insurance-claim contracts (Minn. Stat. § 325E.66).[6] Wisconsin's § 100.65 similarly restricts residential contractor deductible promises and related practices.[7]
If a sales pitch includes a waived deductible
Walk away, document it, and consider reporting to your state attorney general or insurance department. The FTC also warns against signing over insurance checks and high-pressure storm pitches.[8]
This is general consumer information, not legal or insurance advice. Coverage, deadlines, and rates depend on your policy, your insurer, and your state's laws. Check your policy and contact your state's Department of Insurance if you have questions.
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Frequently asked questions
Is a deductible discount the same as a waiver?
If the contractor is absorbing or rebating the deductible on an insurance-funded job, many states treat that as prohibited — regardless of the marketing word.
What about a coupon unrelated to insurance?
Laws differ. If payment is from claim proceeds, be especially careful. When in doubt, you pay the deductible yourself and keep the contract clean.
Can my contractor talk to the adjuster?
Often yes about scope when you have a contract. Acting as a public adjuster is a licensed role and is restricted for contractors in states like CO and TX.
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Sources
- C.R.S. 6-22-105. colorado.public.law/statutes/crs_6-22-105
- C.R.S. § 10-4-110.8 (homeowners insurance consumer protections, including suit-limitation rules). leg.colorado.gov/
- TDI, Can a contractor waive my deductible?. www.tdi.texas.gov/tips/can-a-contractor-waive-my-deductible.html
- Texas Insurance Code Chapter 707 (insured must pay deductible). statutes.capitol.texas.gov/
- TDI, Roofing and insurance: know the law. tdi.texas.gov/consumer/storms/roofing-and-insurance-know-the-law.html
- Minn. Stat. 325E.66. www.revisor.mn.gov/statutes/cite/325E.66
- Wis. Stat. 100.65. docs.legis.wisconsin.gov/statutes/statutes/100/65/5
- FTC, How to Avoid Scams After Weather Emergencies and Natural Disasters. consumer.ftc.gov/articles/how-avoid-scams-after-weather-emergencies-and-natural-
Sources checked November 4, 2026. Estimates are not quotes. Roofing, insurance, and legal details vary. Confirm with your contractor, insurer, or attorney.