How roof claims pay, state by state
Four rules decide how a roof claim pays, and each one is answered differently in every state. Every answer below is tied to the statute, regulation, or case it comes from.
- •Can insurers depreciate labor when calculating ACV?
- •Must insurers replace undamaged materials so the repair matches?
- •Can a contractor pay or waive the homeowner's deductible?
- •Can a contractor negotiate the homeowner's claim?
Open any state for the full rule, the citation, and — where the law restricts what a contractor can do — exactly what you may and may not do.
Informational only — not legal advice. Laws and case precedent change, and outcomes depend on your specific policy language. Verify current law with your state Department of Insurance or a qualified attorney before relying on it.
Sort by any column, or open a state for the full rule, the citation, and what you may and may not do.
| What the carrier owes you | What you're allowed to do | |||
|---|---|---|---|---|
| State | ||||
| Alabama | Unsettled | Not required | No statute | Prohibited |
| Alaska | Prohibited | Required | No statute | No statute |
| Arizona | Prohibited | Unsettled | Prohibited | Prohibited |
| Arkansas | Permitted | Unsettled | No statute | Prohibited |
| California | Prohibited | Required | No statute | Restricted |
| Colorado | Permitted | Unsettled | Prohibited | Prohibited |
| Connecticut | Prohibited | Required | No statute | Prohibited |
| Delaware | Unsettled | Unsettled | No statute | Prohibited |
| District of Columbia | Prohibited | Unsettled | No statute | Restricted |
| Florida | Permitted | Required | Prohibited | Prohibited |
| Georgia | Unsettled | Unsettled | Prohibited | Prohibited |
| Hawaii | Unsettled | Unsettled | No statute | Restricted |
| Idaho | Unsettled | Unsettled | Prohibited | Restricted |
| Illinois | Prohibited | Unsettled | Prohibited | Prohibited |
| Indiana | Unsettled | Required | Prohibited | Prohibited |
| Iowa | Unsettled | Required | Prohibited | Prohibited |
| Kansas | Permitted | Unsettled | No statute | Restricted |
| Kentucky | Permitted | Required | Prohibited | Prohibited |
| Louisiana | Permitted | Unsettled | Prohibited | Prohibited |
| Maine | Unsettled | Unsettled | No statute | Restricted |
| Maryland | Unsettled | Required | Prohibited | Prohibited |
| Massachusetts | Unsettled | Unsettled | No statute | Restricted |
| Michigan | Prohibited | Unsettled | No statute | Restricted |
| Minnesota | Permitted | Required | Prohibited | Prohibited |
| Mississippi | Prohibited | Unsettled | Prohibited | Prohibited |
| Missouri | Prohibited | Required | Prohibited | Prohibited |
| Montana | Unsettled | Required | No statute | Restricted |
| Nebraska | Permitted | Required | Prohibited | Restricted |
| Nevada | Unsettled | Unsettled | No statute | Restricted |
| New Hampshire | Unsettled | Unsettled | No statute | Restricted |
| New Jersey | Unsettled | Unsettled | No statute | Restricted |
| New Mexico | Prohibited | Not required | No statute | Prohibited |
| New York | Unsettled | Unsettled | Prohibited | Prohibited |
| North Carolina | Permitted | Not required | No statute | Restricted |
| North Dakota | Unsettled | Unsettled | Prohibited | Restricted |
| Ohio | Prohibited | Required | No statute | Restricted |
| Oklahoma | Permitted | Unsettled | Prohibited | Restricted |
| Oregon | Unsettled | Unsettled | No statute | Restricted |
| Pennsylvania | Permitted | Not required | No statute | Restricted |
| Rhode Island | Unsettled | Required | No statute | Restricted |
| South Carolina | Permitted | Unsettled | Prohibited | Prohibited |
| South Dakota | Unsettled | Unsettled | Prohibited | No statute |
| Tennessee | Prohibited | Required | No statute | Restricted |
| Texas | Unsettled | Not required | Prohibited | Prohibited |
| Utah | Unsettled | Required | Prohibited | Prohibited |
| Vermont | Prohibited | Required | No statute | Restricted |
| Virginia | Prohibited | Unsettled | Prohibited | Prohibited |
| Washington | Prohibited | Unsettled | No statute | Restricted |
| West Virginia | Unsettled | Unsettled | No statute | Restricted |
| Wisconsin | Unsettled | Not required | Prohibited | Prohibited |
| Wyoming | Unsettled | Required | No statute | Restricted |
Showing 51 of 51 states.
Dataset last reviewed: 2026-07-19. Sources are linked per state. Have a correction or a newer ruling? Let us know.
Make sure the ACV check is right
ClaimSpark checks depreciation and scope against what the job requires — and supplements when the carrier comes up short.
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