Nearly one dollar in five spent on exterior replacements such as roofing in 2023 came from insurance settlements, according to Harvard’s Joint Center for Housing Studies. That money arrives with rules that reach back into your marketing, and most of them take direct aim at storm-chasing tactics.
The deductible belongs to the homeowner. Texas makes it a Class B misdemeanor to advertise or promise to pay, waive or rebate a deductible, and any claim-funded contract of $1,000 or more must carry a statutory notice in 12-point bold type. Colorado and Minnesota ban the same advertising. Florida goes further: no gift, gift card, coupon or deductible waiver in exchange for inspecting a roof or filing a claim, and any flyer, door hanger, magnet or email that steers a homeowner toward a roof claim must carry three printed disclosures.
You are not the adjuster. A Texas contractor may not act as a public adjuster or advertise to adjust claims. Colorado says a roofing contractor may not claim to be or act as one, though once under contract it may discuss the scope of repairs with the insurer for the owner. Copy that says “we handle your claim” invites trouble; copy that says what you inspect, photograph and document does not.
The homeowner can still walk away. Colorado lets a homeowner rescind a roofing contract within 72 hours of a written claim denial. Florida allows cancellation within 10 days, or by the official start date if that comes first, on roof contracts signed within 180 days of a declared emergency. California gives seven business days to cancel a home solicitation contract to repair disaster damage. After a storm, a signature is not yet a job, so the plan counts roofs started, not contracts signed.
Payment comes in pieces. The Texas Department of Insurance tells homeowners that with replacement cost coverage the insurer pays in two checks, the second after repairs begin, and that an insurer will not pay for a new roof just because the old one is worn out. That is why a storm job and a retail job never share one cost-per-lead number in our reports.
What this means in practice: a page on your site that explains the claim process in plain words, an ad library read against your state’s rules before the season starts, and tracking that follows each insurance job to the final check.