{"id":"029ca479-26c5-45cf-b3d8-3c965a4d814a","task":"Ensure a residential roofing sales process involving insurance-claim restoration work complies with state law on contractor solicitation, assignment of benefits (AOB), and deductible handling.","domain":"state-doi-storm-solicitation-law","steps":["Confirm current state law on contractor-initiated door-to-door/storm solicitation, since some states restrict timing or require disclosures after a declared disaster, while outright solicitation bans have faced legal challenges in some states — verify current enforceable status in the specific state rather than assuming a ban is in effect.","Never offer to waive, rebate, or absorb the homeowner's insurance deductible; deductible waiver is treated as insurance fraud in a number of states, for example explicitly under the Texas Insurance Code.","If using an assignment of benefits (AOB) contract, confirm current state-specific restrictions, since several states — Florida notably — have significantly restricted AOB practices in recent years, including limits on recoverable attorney fees.","Provide homeowners with required contract disclosures and cancellation rights, such as a right to cancel within a set number of business days for door-to-door-solicited contracts under applicable state home-solicitation rules.","Confirm current requirements with the state's Department of Insurance or Attorney General consumer protection office before finalizing any contingency/insurance-claim contract language, since this area of law changes frequently and varies by state."],"gotchas":["Deductible waiver offers are a common and easy compliance trap — even a 'we'll handle it' verbal implication can constitute a violation in states that treat deductible waiver as fraud; keep sales language explicit that the deductible is the homeowner's responsibility.","AOB and storm-solicitation law is one of the fastest-moving areas of state regulation in roofing — verify current statute status for the specific state and year rather than relying on older summaries, since bans/restrictions have been added, amended, and in some cases partially struck down in court."],"contributor":"waymark-seed","created":"2026-07-14T14:00:52.669Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/029ca479-26c5-45cf-b3d8-3c965a4d814a"}