STATE REFERENCE · CLAIMS & CANVASSING · CHECKED 2026-11-01
New roofing laws, state by state.
Laws that took effect since January 2025, and the ones still coming. Each date and cite comes from the state's row, read against the state's own text. Where a date had to be worked out, the entry says so. Each state links to its full row.
[ 01 ]COMING
Not in force yet. Plan your contracts now.
| Effective | State | What changed | Cite |
|---|---|---|---|
| Dec 1, 2026 | Wisconsin | New assignment rules and stiffer deductible and claim-negotiation penalties for residential contractors Wis. Stat. § 100.65 already bars residential contractors from promising a deductible rebate and from representing or negotiating on a claim. New § 632.11 repeats those bars, its claim bar without the § 100.65 consent allowance for discussing damage and submitting estimates, and catastrophe repair contracts must carry a duplicate "NOTICE OF CONTRACT OBLIGATIONS AND RIGHTS". Post-loss assignments may name the contractor only as copayee and must be itemized with 14-point notices, including a five-business-day cancellation right. A § 632.11 violation voids the contract and allows a forfeiture up to $5,000. | Wis. Stat. § 632.11, created by 2025 Wisconsin Act 230 |
| Jan 1, 2027 | Oklahoma | Residential endorsement and exam required; fines rise to $5,000 Residential roofing work needs a residential roofer endorsement, with a residential exam and four continuing education hours a year, and the misdemeanor fine rises to $5,000 per violation. Registrants in good standing have until January 1, 2028 to pass the exam or add ten education hours (commercial endorsement holders on that date are exempt), but the enacted SB 1873 and HB 3800 texts differ on a 2027 or 2028 date for applicants, so confirm with the Construction Industries Board. | 59 O.S. § 1151.25a; § 1151.3(C); Laws 2026, SB 1873 (c. 229), HB 3800 (c. 317) |
| Jan 1, 2027 | Virginia | Deductible waiver ban, ad disclosures and emergency cancellation right A contractor may not knowingly or willfully pay, waive or rebate a deductible on an owner-occupied home, and ads and insurance-claim contracts must carry the new disclosures, itemized estimate and 14-point notices. An owner may cancel a roofing contract signed within 180 days of a Governor's emergency declaration covering the property, within the earlier of 10 days after signing or the official start date. | Va. Code §§ 59.1-617 to 59.1-620 (effective January 1, 2027); Acts 2026 cc. 657, 658 |
| Apr 20, 2027 | Pennsylvania | Policies may bar assignments; no power-of-attorney workaround for contractors A property insurance policy, regardless of when issued, may prohibit assigning rights and benefits to a property repair contractor, and a contractor may not use a power of attorney from the named insured to get around public adjuster licensing. Unlicensed activity prohibited under the act is a third-degree felony under 18 Pa.C.S. § 4117. The date is a calendar count of 180 days from approval on October 22, 2026, read in PN 3550, so confirm it against the session law. | Act No. 77 of 2026 (H.B. 1972 PN 3550) §§ 4.2(b), 6(b.1) |
[ 02 ]ALREADY IN FORCE
Already the law.
| Effective | State | What changed | Cite |
|---|---|---|---|
| Sep 12, 2026 | Arizona | Storm repair contractors barred from paying deductibles, negotiating claims On residential contracts under § 32-1158.02 for damage from a catastrophic storm in an area designated by an insurer, a contractor may not advertise to pay, pay or promise to pay a deductible or issue a rebate, act as an adjuster, negotiate the claim, or assure that work will be covered. It may communicate with the insurer to assist in a claim dispute if the owner gives permission and it is not paid for doing so. It also may not propose that someone sign a work agreement while the loss-producing occurrence or a public safety emergency response is continuing at the premises, except to restore essential services or prevent further immediate damage. | A.R.S. § 32-1158.02(J), (L), (O); Laws 2026, Chapter 157 (SB1206) |
| Aug 28, 2026 | Missouri | Post-loss insurance assignments to repair contractors banned A roofer may not solicit or accept an assignment of post-loss property insurance benefits; the agreement is void and unenforceable, and a violation carries a penalty of $1,000 per violation up to $50,000 a year. Insurers must still pay a provider directly when the insured agrees, subject to applicable liens. | RSMo § 379.135 (L. 2026 H.B. 2636 merged with S.B. 835 & 1111) |
| Aug 12, 2026 | Colorado | Grant-funded roofing contractors cannot waive insurance deductibles A contractor awarded bids and receiving Strengthen Colorado Homes grant money may not waive homeowner's insurance deductibles and must attest that it does not. This applies to grant-funded work; C.R.S. § 6-22-105 separately bars deductible promises on roofing paid from a property and casualty policy. | C.R.S. § 10-4-2004(3)(f)(II), (4); SB26-155 (2026), Chapter 373 |
| Aug 1, 2026 | Louisiana | Insurance minimum now $500,000; contractor claim and assignment limits written into licensing law A residential license now requires liability insurance or a liability trust fund of at least $500,000, with the Board listed as certificate holder, even though the codified page and the Board's 2025 brochure still show $100,000. The contractor licensing law, as amended, bars interpreting policy coverage, adjusting claims as a public adjuster and advertising as insurance claims specialists, and it lists post-loss assignments of benefits as a prohibited act, repeating the ban in force since August 1, 2023 under R.S. 22:1275. Damaging property to induce a contract is a violation. | Act 757 of 2026 (SB 326); R.S. 37:2156.1(F); 37:2158(A)(25); 37:2159.1 |
| Jul 15, 2026 | Kentucky | Public-adjuster exception to claim-negotiation bar removed; emergency registration and canvassing limits added For contracts entered on or after this date, a contractor may not negotiate or advertise to negotiate on an insured's claim, as a public adjuster or otherwise (the act struck the earlier exception for a licensed public adjuster; earlier contracts fall under the prior text), but may provide an estimate and confer with the insurer's representative after a claim is submitted. After a declared emergency, a contractor under an Attorney General order must register and may not solicit in person in the designated area for 90 days without the owner's prior approval. | KRS 367.628; KRS 367.379; 2026 Ky. Acts ch. 54 (SB 153) |
| May 19, 2026 | South Carolina | Policies may bar assignments; no power-of-attorney workaround for contractors A property insurance policy may expressly prohibit assigning rights and benefits to a property repair contractor, and a contractor may not use a power of attorney from the named insured to get around public adjuster licensing. Unlicensed public adjusting is a fraudulent insurance act. | S.C. Code 38-92-130(K); 38-92-140; 2026 Act No. 209 (S.196) |
| Jan 1, 2026 | Montana | State contractor license replaces registration program A construction contractor, which expressly includes roofing, needs a license from the Department of Labor and Industry; existing registrations convert automatically with the same expiration date. Exemptions include jobs under $2,500 and independent contractors with no employees, though the department says corporations and manager-managed LLCs are covered regardless of employee count. | Title 37, chapter 45, MCA; Laws of 2025, ch. 644 (HB 239) |
| Jan 1, 2026 | Louisiana | Residential roofing classification required for $7,500-plus jobs Anyone who advertises, solicits, bids or performs residential roofing work with a project value of $7,500 or more must hold the Residential Roofing or Residential Construction classification. | R.S. 37:2156.4(A) |
| Nov 1, 2025 | Oklahoma | Current deductible rule: no inducement promises; written notice with initial estimate A roofing contractor paid from a property or casualty policy may not, as an inducement to the sale or provision of goods or services, advertise or promise to pay any part of the deductible or offer to compensate the insured for a service, and must give written notice of this rule with its initial estimate. The insurer need not consider the contractor's estimate, and a violation of the Act is a misdemeanor with a fine up to $500 per violation ($5,000 from January 1, 2027). This is the version in force since this date; earlier text was not compared. | 59 O.S. § 1151.30 (Laws 2025, HB 1257, c. 367) |
| Nov 1, 2025 | Oklahoma | Post-loss insurance assignments to contractors banned A roofer may not solicit or accept an assignment of post-loss property insurance benefits; the agreement is void and a violation is an unfair or deceptive trade practice. A homeowner may still authorize payment to the roofer, and insurers must pay directly when the insured agrees. | 36 O.S. § 1230 (Laws 2025, HB 1084, c. 444) |
| Jul 1, 2025 | Iowa | Post-loss assignment rules rewritten; 72-hour bar after catastrophes A post-loss assignment to a residential contractor must itemize work, materials, labor, fees and total, carry capitalized 14-point notices including a five-business-day cancellation right, and name the contractor only as co-payee. A contractor may not sign a contract with a post-loss assignment for at least 72 hours after a catastrophic disaster, and a violation voids the assignment. The act names no effective date, so this date follows the default in Iowa Code § 3.7(1). | Iowa Code § 515.137A; 2025 Iowa Acts ch. 28, §§ 28-29 |
| Jul 1, 2025 | Georgia | Post-disaster contracts cannot assign insurance proceeds to contractors A contractor signing a homeowner within one year of a natural disaster (a flood, tornado, hurricane, earthquake or other occurrence for which the Governor proclaims a state of emergency) to repair, replace or mitigate damage from that disaster commits an unfair or deceptive practice if the contract assigns insurance proceeds to the contractor. From January 1, 2026, insurers may not sell homeowner's policies that allow such an assignment, for policies issued or renewed on or after that date. | O.C.G.A. § 10-1-393(b)(36); § 33-6-5(15); Ga. L. 2025 (SB 201) |
| Jul 1, 2025 | Connecticut | Cancellation notice rewritten, type size raised to twelve points Home improvement contracts must carry the revised right-to-cancel notice and Notice of Cancellation form in boldface of at least twelve points, including the seller's email. Older contract templates carry the prior text. | Conn. Gen. Stat. § 42-135a (2026 Supplement; P.A. 25-111) |
Not legal advice. This list is a dated snapshot of published sources and may miss a change. Confirm every entry with the named authority and your own counsel before relying on it. All 50 states + DC · the by-topic report.
[ ·· ]TAKE SOMETHING WITH YOU
Take one working workflow, free.
The after-service follow-up workflow from Roofing OS, whole and unmodified: import it into n8n and it runs on its own. Plus six short emails over three weeks on where it fits. Then at most one a month.
ONE WORKFLOW · SIX SHORT EMAILS · THEN MONTHLY AT MOST · UNSUBSCRIBE IN ONE CLICK · NO CARD · PRIVACY