STATE REFERENCE · CLAIMS & CANVASSING · 2026 REPORT
Which states actually have the statute.
The four rules that decide how a storm-restoration roofer may work a claim, counted across all 50 states and DC from the verified state table. A state is listed under a topic only when the verification pass found the text and cited it; "no statute located" means exactly that, not that the practice is allowed.
Deductible waiver prohibitions.
States where the pass located a statute that bars a roofer from paying, waiving or absorbing the insurance deductible.
- Statute read at the source (10)
- Colorado, Florida, Iowa, Kentucky, Minnesota, Missouri, Nebraska, North Dakota, Texas, Wisconsin
- Reported by a secondary compendium, primary text not read (7)
- Illinois, Indiana, Louisiana, Oklahoma, South Carolina, South Dakota, Wyoming
- No statute located in this pass (34)
- Alabama, Alaska, Arizona, Arkansas, California, Connecticut, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Kansas, Maine, Maryland, Massachusetts, Michigan, Mississippi, Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia
Contractor-adjusting prohibitions.
States where the pass located a statute that bars a contractor from negotiating or adjusting the claim on the homeowner's behalf.
- Statute read at the source (10)
- Arizona, Colorado, Florida, Iowa, Kentucky, Minnesota, Missouri, Oklahoma, Texas, Wisconsin
- Reported by a secondary compendium, primary text not read (0)
- none in this pass
- No statute located in this pass (41)
- Alabama, Alaska, Arkansas, California, Connecticut, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia, Wyoming
Assignment-of-benefits statutes.
States where the pass located a statute that regulates post-loss assignment of benefits to a contractor.
- Statute read at the source (2)
- Florida, North Dakota
- Reported by a secondary compendium, primary text not read (0)
- none in this pass
- No statute located in this pass (49)
- Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Matching rules.
States where the pass located a rule on whether undamaged materials must be replaced to match.
- Statute read at the source (3)
- Florida, Kentucky, Ohio
- Reported by a secondary compendium, primary text not read (13)
- Alaska, California, Connecticut, Iowa, Louisiana, Maryland, Montana, Nebraska, Rhode Island, Tennessee, Utah, Vermont, Wisconsin
- No statute located in this pass (35)
- Alabama, Arizona, Arkansas, Colorado, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Texas, Virginia, Washington, West Virginia, Wyoming
Method, and what this is not.
Every cell in the underlying table starts with a status marker written by the verification pass. "Verified" means the statute or regulation was read at the cited source. "[SECONDARY]" means a reputable compendium reported it and the primary text was not read. "Not verified" means nothing was located. This page only counts those markers. It is a research aid, not legal advice; confirm with the state authority linked on each state page before relying on it.
Download the full table (CSV) · the same data on GitHub · CC BY 4.0, attribute Vertical OS and link to this page.
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