Colorado roofing help: contract rules, insurance claims and hail storms
Source: Local Help Stations (localhelpstations.com). Last updated November 2, 2026.
Colorado does not have a statewide roofer license page we could cite, but state law sets firm rules for residential roofing contracts, especially when insurance pays.
What Colorado rules say
- Before any roofing work, the roofer must give you a written contract signed by both sides with the scope, materials, approximate dates and approximate costs (C.R.S. 6-22-103). (source: Colorado Attorney General)
- The contract must include a clause letting you cancel and get a full refund of any deposit within 72 hours after signing. (source: Colorado Attorney General)
- If insurance was to pay and the insurer denies the roof claim in whole or in part, you may cancel within 72 hours after receiving the insurer's written denial (C.R.S. 6-22-104). (source: Colorado Attorney General)
- After a valid cancellation, the roofer must return your payments or deposits within 10 days, less pay for work already done properly. (source: Colorado Attorney General)
- A roofer may not pay, waive or rebate, or promise to pay, waive or rebate, any part of your insurance deductible (C.R.S. 6-22-105). (source: Colorado Attorney General)
- The contract must state in bold type that the roofer holds your payment in trust until materials are delivered or most of the work is done. (source: Colorado Attorney General)
- The Colorado Division of Insurance warns that after hail or wind storms, roofers start door to door and phone sales, and advises getting everything in writing. (source: Colorado Division of Insurance)
- Many Colorado homeowner policies have wind and hail deductibles set as a percentage of coverage, such as 1%, 2% or 5%. (source: Colorado Division of Insurance)
- Public adjusters are licensed by the Division of Insurance; you are not required to hire one. (source: Colorado Division of Insurance)
This page covers statewide rules only. Cities and counties can add their own permits and licenses, so check with your local building office too.
More Colorado topics
Sources
- Colorado Attorney General (statute copy): C.R.S. 6-22-101 to 6-22-105, Residential Roofing Services (statute text) (checked November 2, 2026)
- Colorado Division of Insurance (DORA): Consumer Advisory: Division of Insurance Shares Tips After Hailstorm Batters Metro Denver (checked November 2, 2026)
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