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Arizona rules for roofers and insurance claims

Source: Arizona Roofing Help (arizonaroofinghelp.com), part of the Local Help Stations network (localhelpstations.com). Last updated November 3, 2026.

When you file a claim for storm repair, the contractor may not advertise or promise to pay your deductible, or give a rebate of it, and may not start the work until the insurer approves or denies the claim, unless the work is needed to prevent further loss. (source: Arizona State Legislature)

A storm repair contractor may not act as your adjuster or negotiate your claim settlement, and may not promise the work will be covered. With your permission, and without being paid for it, the contractor may talk with your insurer to help with claim disputes. (source: Arizona State Legislature)

With your written consent, the insurer may make its check out to both you and the contractor, with the contractor's license number on the check. The contractor must tell you in writing right away if its workers' compensation coverage is canceled. (source: Arizona State Legislature)

Anyone who prepares a storm repair estimate for an insurance claim must give you documentation of the damage, such as photographs or digital images, and itemize any emergency repairs already done. (source: Arizona State Legislature)

An unlicensed person who is not exempt cannot sue a homeowner to recover money for storm repair work under this section. (source: Arizona State Legislature)

On this site: Arizona roofing contractor license fees · Contractor bonds and the Recovery Fund in Arizona · The Arizona handyman exemption and $1,000 limit · What an Arizona roofing contract must include · How to file a complaint against an Arizona contractor · Doing your own work on your Arizona home · Arizona roofing contractor license (ROC R-42, C-42, CR-42) · How to check an Arizona roofer before you hire · Arizona storm damage roofing contract rules · Arizona rules for roofers and insurance claims · Door to door roofing sales and the 3 day cancel rule in Arizona · Reroof permit rules in Arizona cities · Cities · FAQ · Sources

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