Is It Legal for a Roofing Contractor to Pay Your Deductible in Colorado?
If you’ve recently filed a roofing insurance claim, you might be wondering: Can a roofing contractor pay my deductible to win my business? It may sound tempting, but in Colorado, the answer is simple—no, it’s not legal.
Colorado law clearly states that roofing contractors cannot financially incentivize homeowners to sign a contract. That means offering to “waive” or “cover” your deductible is a violation of the law. These rules were put in place to prevent insurance fraud and protect homeowners from dishonest or unqualified contractors.
But here’s the good news: you can legally act as your own general contractor. In fact, both the building department and your insurance company will allow it.
How It Works:
Let’s say your roof insurance claim is approved for $30,000, and your deductible is $2,500. Instead of hiring a traditional roofing contractor who isn’t allowed to absorb your deductible, you pull a homeowner permit online and become your own general contractor.
From there, you hire a subcontractor—like us—to complete the job. You offer $27,500 for the work, which covers the total claim amount minus your deductible.
Why This Works:
Even though you’re listed as the general contractor, we still handle the entire project from start to finish:
- Ordering and delivering materials
- Installing your new roof
- Communicating with your insurance company
- Facilitating supplement approvals for additional costs
And no—you don’t need to get on your roof or know anything about roofing. We take care of everything.
A Legal, Worry-Free Way to Save
This approach allows you to stay compliant with Colorado law while still managing your roofing project in a cost-effective way. It’s a smart solution for homeowners who want to avoid out-of-pocket costs—without breaking the rules.