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Can a roofer pay or waive my insurance deductible?
Utah Code 13-50-302 says a residential contractor may not rebate or offer to rebate any portion of an insurance deductible as an inducement to the sale of a good or service. (source: Utah State Legislature)
Utah Code 13-50-303 requires an agreement paid from a property and casualty insurance policy to include a notice in capitalized 14 point type stating that rebating a deductible violates Utah law, including any allowance, discount, or paying the deductible to the policyholder, and that the policyholder is personally responsible for paying it. No payment may be made to the contractor until the named insured signs the notice and the contractor delivers it to the insurance company. (source: Utah State Legislature)
The Utah Insurance Department says offering to waive deductibles may be illegal. (source: Utah Insurance Department)
On this site: Which license covers roofing in Utah · Can a roofer pay or waive my insurance deductible? · Hail damage and storm chaser warning signs · Roof work near power lines · How to check a Utah roofing license · Before you hire a roofer in Utah · FAQ · Sources
Sources
- Utah State Legislature: Utah Code 13-50-302, Residential contractor, prohibited acts (checked October 30, 2026)
- Utah State Legislature: Utah Code 13-50-303, Contract notice (insurance deductible) (checked October 30, 2026)
- Utah Insurance Department: Roofing Scams? Hail Yes! (checked October 30, 2026)
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