Missouri Insurance Deductible Laws

Senate Bill 101 prohibits exterior repair contractors, such as roofing and siding companies, from offering to pay a homeowner’s insurance deductible in hopes of making a sale.

Source: New laws bring insurance protections for consumers affected by damaging storms

Deductible Funding explained

Illinois Insurance Deductible Laws

(b) A contractor offering home repair or remodeling services shall not advertise or promise to pay or rebate all or any portion of any insurance deductible as an inducement to the sale of goods or services. As used in this Section, a promise to pay or rebate includes granting any allowance or offering any discount against the fees to be charged or paying the insured or any person directly or indirectly associated with the property any form of compensation.

Source: Illinois Compiled Statutes

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Colorado Insurance Deductible Laws

CO SB 3

Prohibiting roofing contractors from paying, waiving, rebating or promising to pay, waive or rebate all or part of any insurance deductible applicable to an insurance claim

A prohibition against waiving or rebating the deductible portion of the homeowner’s insurance.

Source: Concerning measures to protect consumers who engage a roofing contractor to perform roofing services on residential property.

Source: 2016 Colorado Revised Statutes Title 6 – Consumer and Commercial Affairs Residential Roofing Services Article 22 – Roofing Services – Residential Property § 6-22-105. Waiver of insurance deductible prohibited

Kentucky Insurance Deductible Laws

roofing contractor shall not:….

Offer to pay or rebate all or any portion of an insurance deductible or claims proceeds as an inducement to the sale of goods or services related to a residential roof contract;

Source: Acts prohibited for roofing contractor

Iowa Insurance Deductible Laws

2. A residential contractor shall not advertise or promise to rebate any insurance deductible or any portion thereof as an inducement to the sale of goods or services. A promise to rebate any insurance deductible includes granting any allowance or offering any discount against the fees to be charged

Source: 103A.71 Residential contractors

Minnesota Insurance Deductible Laws

State law prohibits contractors from offering to pay homeowners’ insurance deductibles or offering anything of value as encouragement to enter into a contract to repair damage covered by an insurance claim.

Source: Contractors and Insurance Deductibles

North Carolina Insurance Deductible Laws

A roofing contractor shall not do any of the following:
Advertise or promise or offer to pay or rebate all or any portion of any insurance deductible as an inducement to the sale of any goods or services. Offer or provide any upgraded work, material, or product, grant any allowance or offer any discount against the fees to be charged, or pay the consumer or any person directly or indirectly associated with the property any form of compensation, gift, prize, bonus, coupon, credit, referral fee, trade-in or trade-in payment, advertising, or other fee or payment as an inducement to the sale of any goods or services. Offer or provide anything of value in exchange for permitting the roofing contractor to display a sign or any other type of advertisement at the consumer’s premises

Source: An act to provide consumer protections related to roofing 3 contractors

Ohio Insurance Deductible Laws

(B) A contractor shall not do any of the following:

(1) Advertise, promise to pay, or rebate any portion of an insurance deductible as an inducement to the sale of goods or services, including granting an allowance or offering a discount against the fees to be charged or paying the consumer, or any person directly or indirectly associated with the property in question, any form of compensation, except as permitted under division (B)(2) of this section;

Source: Contractor “paying” Roof Deductible – FRAUD or Not? Legal or Not?
Source: Senate Bill 64

South Carolina Insurance Deductible Laws

(E)(1) A builder or contractor shall not advertise or promise to pay or rebate all or any portion of any insurance deductible as an inducement to the sale of goods or services.

Source: South Carolina Code of Laws Unannotated – Residential Home Builders

Maryland Insurance Deductible Laws

It is a fraudulent insurance act for a contractor offering home repair or remodeling services for damages to a private residence caused by weather, to directly or indirectly pay or otherwise compensate an insured, or offer or promise to pay or compensate an insured, with the intent to defraud an insurer, for any part of the insured’s deductible under the insured’s property or casualty insurance policy, if payment for the services will be made from the proceeds of the policy.

Source: 2014 Maryland Code Insurance; Title 27 – Unfair Trade Practices and Other Prohibited Practices; Subtitle 4 – Fraudulent Insurance Acts § 27-407.2. Compensation for deductible.

Kansas Insurance Deductible Laws

Sec. 3. (a) A residential roofing contractor providing roofing goods and services to be paid by an insured from the proceeds of a property or casualty insurance policy shall not advertise or promise to pay or rebate all or any part of an applicable insurance deductible. For the purposes of this section, rebating the insurance deductible includes granting any allowance against the fees to be charged or paying to the insured any form of compensation, for any reason, including, but not limited to, permitting the residential roofing contractor to display a sign or any other type of advertisement at the insured’s premises, or paying an insured for providing a letter of referral or recommendation

Source: AN ACT enacting the Kansas residential roofing act.

Texas Insurance Deductible Laws

It is illegal for contractors or roofers to offer to waive a deductible or promise a rebate for all or part of a deductible. Under the new law effective September 1, violators could get up to a $2,000 fine and up to six months in jail.

If a contractor offers to waive a deductible, report it to the Texas Attorney General’s Consumer Protection Hotline at 800-621-0508.

Source: New states law cracks down on roof scams

West Virginia Insurance Deductible Laws

(b) On or after July 1, 2015, a roofing contractor or person representing a roofing contractor may not: (1) Offer to pay or rebate all or any portion of an insurance deductible or claims proceeds as an inducement to the sale of goods or services related to a residential roofing contract;(2) Pay the owner of residential real estate for whom services have been performed pursuant to this article for any reason or any form of compensation, including, but not limited to a:

(A) Bonus;
(B) Coupon;
(C) Credit;
(D) Gift;
(E) Prize;
(F) Referral fee;
(G) Any other tangible item having a monetary value.

Source: Chapter 46A – West Virginia Consumer Credit and Protection Act – Article 6M. Storm Scammer Consumer Protection Act

Wisconsin Insurance Deductible Laws

(8) No residential contractor may represent or offer or advertise to represent a consumer or negotiate or offer or advertise to negotiate on behalf of a consumer with respect to any insurance claim related to the repair or replacement of a roof system or to the exterior repair, replacement, construction, or reconstruction of residential real estate. This subsection does not prohibit a residential contractor, with the express consent of an insured, from doing any of the following:

Source: 2013 Wisconsin Act 24

Oklahoma Insurance Deductible Laws

An Act relating to roofing contractors; prohibiting waiving insurance deductible as advertisement or inducement for sale; requiring certain notice; providing penalty; construing imposition of certain fine; providing for codification; and providing an effective date.

Source: Roofers face floods of new state laws

Connecticut Insurance Deductible Laws

Insurance Contract Language: Section I & Section II, Conditions:

Below is some of the actual language in a standard insurance contract. There are variations of this in every homeowner’s policy.

  • This policy is void as to you and any other insured, if you or any other insured under this policy has intentionally concealed or misrepresented any material fact or circumstance, made false statements, or committed fraud related to this insurance, whether before or after a loss.
  • (2) if this policy has been in effect 90 days or more, we may not cancel this policy unless:(c) you submit a fraudulent claim.

Source: Title 38A: Insurance

Florida Insurance Deductible Laws

“The 2019 Florida Statutes.” Statutes & Constitution : View Statutes : Online Sunshine, The Florida Legislature, 3 Dec. 2019, > While home repairs, especially roof repairs and replacements, are oftentimes costly and unexpected, you as the homeowner must always pay the insurance deductible. There is absolutely no legal way around getting out of paying your deductible

Source: Avoid Insurance Fraud by Paying Deductible

Georgia Insurance Deductible Laws

May a public adjuster waive or rebate a homeowner’s insurance deductible? No. Pursuant to O.C.G.A. $33-23-43, a public adjuster may not pay the insured any form of compensation (directly or indirectly) or give any allowance or discount against the fees to be charged

Source: Illegal Officers to Waive or Rebate Homeowner’s Insurance Deductibles

Hawaii Insurance Deductible Laws

Idaho Insurance Deductible Laws

(2) It is unlawful for a service provider to engage in a regular practice of waiving, rebating, giving, paying, or offering to waive, rebate, give or pay all or part of a claimant’s deductible or claim for casualty, disability insurance, worker’s compensation insurance, health insurance or property insurance.

Source: Idaho Statutes; Title 41-Insurance; Chapter 3-Authorization of Insures and General Requirements

Indiana Insurance Deductible Laws

Specifically, Indiana Code section 24-5-11-10.5 prohibits a home-improvement contractor from advertising, offering or promising to pay (or rebate) any part of an insurance deductible to induce a person to enter into a home-improvement contract or otherwise purchase goods or services from the contractor.

Source: Indiana Attorney General warns Hoosiers about contractors offering to waive deductibles

California Insurance Deductible Laws

Maine Insurance Deductible Laws

Revised Senate Bill 736 (Senator Astle)
Finance Economic Matters Insurance – Fraudulent Insurance Acts – Compensation for Deductible This bill prohibits specified contractors from directly or indirectly compensating (or offering or promising to compensate) an insured, with the intent to defraud an insurer, for any part of an insurance deductible under the insured’s property or casualty insurance policy if payment for services will be made from the proceeds of the policy. The bill applies to contractors offering home repair or remodeling services for damages to a private residence caused by weather. Violation of the bill is a fraudulent insurance act, subject to criminal penalties.

Source: Contractor’s Waiver of Deductible Equals Felony Insurance

Massachusetts Insurance Deductible Laws

Nebraska Insurance Deductible Laws

It is a violation of the insurance laws of Nebraska to rebate any portion of an insurance deductible as an inducement to the insured to accept a residential contractor’s proposal to repair damaged property. Rebate of a deductible includes granting any allowance or offering any discount against the fees to be charged for work to be performed or paying the insured policy holder the deductible amount set forth in the insurance policy

Source: Legislative Bill 220

Wyoming Insurance Deductible Laws

(c) Contractors soliciting exterior storm damage repair services in this state shall not:

(i) Pay, advertise or promise to pay or rebate all or any portion of any insurance deductible. Contractors may pay or rebate any discount available for the use of any goods or services;

Source: SF0127 – Exterior residential storm damage repair contracts