Colorado: what the law says about your contract
2 Colorado rules, each quoted from the statute with its link and the date we checked it, after the federal rule that applies everywhere.
Colorado Division of Professions and Occupations
Colorado licenses electricians and plumbers statewide. General and roofing contractors are licensed by cities and counties, so also check your local building department.
FTC Cooling-Off Rule (16 CFR 429)
Three business days to cancel in-home sales of $25 or more
“You, the buyer, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction.”
The rule covers sales of $25 or more made at your home, and $130 or more at a seller’s temporary location such as a hotel, fair or convention center. It applies even when you invited the salesperson in. The seller must give you two copies of a cancellation form, tell you about the right out loud, and refund within 10 business days of a valid cancellation.
16 CFR 429 · checked 2026-10-05The scope, in the rule’s words
“…which has a purchase price of $25 or more if the sale is made at the buyer’s residence or a purchase price of $130 or more if the sale is made at locations other than the buyer’s residence…”
Exceptions include sales negotiated at the seller’s permanent place of business, real estate, insurance and securities, and genuine emergencies you started where you sign a handwritten waiver.
FTC consumer guide to the ruleThe emergency exception
“In which the buyer has initiated the contact and the goods or services are needed to meet a bona fide immediate personal emergency of the buyer, and the buyer furnishes the seller with a separate dated and signed personal statement in the buyer’s handwriting describing the situation requiring immediate remedy and expressly acknowledging and waiving the right to cancel the sale within 3 business days…”
A pre-printed waiver handed to you by the seller is not this. The statement has to be in your own handwriting, for an emergency you asked them to fix.
16 CFR 429 §429.0What the law says, quoted with its source. Not legal advice: for your situation ask your state's contractor board or attorney general.
Colorado rules
Roofing contracts: written, with a 72-hour rescission clause
“Prior to engaging in any roofing work, a roofing contractor shall provide a written contract to the property owner… (f)(I) The roofing contractor’s policy regarding cancellation of the contract and refund of any deposit, including a rescission clause allowing the property owner to rescind the contract and obtain a full refund of any deposit within seventy-two hours after entering the contract…”
A Colorado roof contract must be written, list scope, dates and approximate cost, and let you rescind for a full deposit refund within 72 hours. The contractor must hold your payment in trust until materials are delivered or most of the work is done (§6-22-103(2)). Text from the Colorado Revised Statutes 2024 printout published by the Office of Legislative Legal Services (marked “uncertified printout”).
C.R.S. §6-22-103(1) · checked 2026-10-05No waiving or rebating the insurance deductible on roof work
“A roofing contractor that performs roofing work, the payment for which will be made from the proceeds of a property and casualty insurance policy… shall not advertise or promise to pay, waive, or rebate all or part of any insurance deductible applicable to the claim for payment for roofing work on the covered residential property.”
If an insurance claim pays for the roof, a Colorado roofer may not offer to cover your deductible. You can also rescind within 72 hours of a written claim denial (§6-22-104).
C.R.S. §6-22-105(1) · checked 2026-10-05What the law says, quoted with its source. Not legal advice: for your situation ask your state's contractor board or attorney general.