Homeowner guide
Your rights in a Colorado roofing contract
General info only. Check with a licensed pro and your local building department.
If in doubt, stop and call a licensed professional.
Colorado's roofing law (C.R.S. 6-22) gives homeowners specific protections. Know them before you sign.
Also read the hail and roof claims guide and scam red flags.
What the sources say
| Topic | What the source says | Source |
|---|---|---|
| Written contract first | C.R.S. 6-22-103: before any roofing work, the roofer must give you a written contract signed by both of you listing scope and materials, approximate dates, approximate cost based on known damage, full contact info, and their surety and liability insurer (if applicable). | Source page checked 2026-11-02 |
| 72-hour cancel | The contract must let you cancel and get a full refund of any deposit within 72 hours after signing. | Source page checked 2026-11-02 |
| Insurance denial | C.R.S. 6-22-104: if insurance is paying and the insurer denies the claim in whole or part, you may cancel within 72 hours after the written denial. Send written notice to the address in the contract. The roofer must return payments within 10 days (minus work actually done). | Source page checked 2026-11-02 |
| No deductible tricks | The contract must state the roofer cannot pay, waive or rebate your insurance deductible. | Source page checked 2026-11-02 |
| Money held in trust | The contract must say in bold that the roofer holds your payment in trust until materials are delivered or most of the work is done. | Source page checked 2026-11-02 |
Not confirmed yet
- Unknown How the Colorado AG enforces these rules in practice — not checked.
Checked 2026-11-02. General information, not legal advice. Rules change — confirm with the source. Report an error.