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Colorado Roofing
Laws & Regulations

The laws every Colorado homeowner should know before hiring a roofing contractor or filing an insurance claim.

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Senate Bill 38: The Residential Roofing Bill of Rights

Signed into law June 6, 2012, SB38 (C.R.S. 6-22-101 to 6-22-105) protects Colorado homeowners from predatory roofing contractors. Key provisions:

  • Written contract required — contractors must provide a signed contract with scope, materials, cost, and timeline before any work
  • 72-hour cancellation right — homeowners can cancel within 3 business days
  • No deductible waiver — contractors cannot offer to waive, rebate, or absorb insurance deductibles
  • Licensing verification — contractors must be licensed in the municipality where work is performed

Insurance Claim Laws in Colorado

Claim Filing Deadlines

Most policies require claims within 1–2 years of the storm date. Some insurers have shortened to 6–12 months. Check your declarations page. Missing the deadline = automatic denial.

Matching Shingles

Colorado does not have a statewide law requiring insurers to replace an entire roof when matching shingles are discontinued. Some policies include "matching" coverage riders. Without this, insurers may only pay for damaged sections.

Wind/Hail Deductibles

Many Colorado policies now have separate wind/hail deductibles calculated as a percentage of insured value (typically 1–5%). On a $500K home with 2% deductible, that's $10,000 out of pocket.

Contractor Licensing by City

Denver

Specialty Class D certificate required for roofing contractors.

Aurora

Supervisor license AND Roofing Contractor license required.

Lakewood

Contractor registration with the city required.

Boulder

Class A, B, or C business license required.

Work With a Licensed, Compliant Contractor

We are fully licensed in Denver, Aurora, Lakewood, Boulder, Littleton, and Arvada. We follow SB38 to the letter. No deductible waivers. Written contracts. Full transparency.

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