Does Colorado's Hail Contractor Law Cover Window Work?

Not by its own terms. Colorado's storm-contractor statute sits in an article titled Roofing Services, and the deductible rule binds a roofing contractor performing roofing work. If the person at your door after a hailstorm is selling windows and glass, the protections most Pueblo homeowners assume are automatic are not automatic at all.

What the statute actually says, and who it binds

Colorado wrote this law because hailstorms bring contractors from out of state, and it is unusually specific. On deductibles, C.R.S. § 6-22-105 provides that "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."

It has teeth on both sides. If a contractor violates it, the insurer "is not obligated to consider the estimate of costs for the roofing work prepared by the roofing contractor," and the property owner or the insurer "may bring an action against the roofing contractor in a court of competent jurisdiction to recover damages." Read that first consequence again, because it is the one that lands on the homeowner rather than the contractor: your claim can end up resting on an estimate your insurer is entitled to disregard.

Now the part that matters for this page. The article containing that section is titled Roofing Services — Residential Property, and the prohibition is written against a roofing contractor that performs roofing work. Windows, glass and patio doors are not roofing work, and a window installer is not a roofing contractor. So when a storm-season crew is selling you a full exterior package, part of that job may sit inside a statute written for it and part may sit outside — and nothing tells you which from the driveway.

The written-contract checklist Colorado demands — of roofers

The neighbouring section, C.R.S. § 6-22-103, is the more useful one to a homeowner, because it spells out what a storm-repair contract has to contain before work begins. A roofing contractor must provide a written contract, signed by both parties, stating the scope of services and materials; the approximate dates of service; the approximate costs based on damages known at the time; the contractor's contact information including a physical address; identification of the contractor's surety and liability coverage insurer with their contact details; and the contractor's cancellation and deposit-refund policy, "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."

Then there is subsection (2), which is the quiet one that protects your money. It requires, on the face of the contract and in bold-faced type, a statement that the contractor "shall hold in trust any payment from the property owner until the roofing contractor has delivered roofing materials at the residential property site or has performed a majority of the roofing work on the residential property." That is the legislature saying, in as many words, that a large deposit taken by a storm-season contractor before anything arrives is the risk it was worried about.

Every item on that list is worth having on a window contract too. None of it is required there. That gap is the entire practical lesson of this page.

How to use a roofing statute to protect a window purchase

Treat § 6-22-103 as a template and ask for the same terms voluntarily. A serious local installer will agree without friction, because they already work this way; a crew passing through town after a hail event will find reasons not to, and that reluctance is the information you were looking for.

Ask for the scope and materials specified opening by opening rather than as a lump; approximate dates in writing; a physical address, not a PO box and not just a mobile number; the liability insurer named, with a certificate sent to you by the agent directly; a written cancellation term with a full deposit refund inside seventy-two hours; and a deposit that is either modest or explicitly held until the glass actually arrives on site. On hail claims specifically, keep the deductible conversation clean — the amount is between you and your insurer, and any version of "we'll take care of it" belongs nowhere near a window quote either.

Two Pueblo-specific notes that the glass repair guide covers in full and that decide real money. Photograph everything before anything is boarded or touched, because the claims order is what makes a claim move. And know that hail-struck insulated units frequently fog weeks or months later as a damaged seal gives up — so a claim closed too eagerly can miss the casualties that had not shown themselves yet. Neither of those is in any statute; both are what actually happens here.

Sending a request

Describe the project — how many openings, what the damage is, whether a claim is open and when the storm was — through the form on this page or the phone line. This site is a referral line, not a window company: one independent local installer receives the request, contacts you directly, and owns the schedule, price, product and warranty. Coverage runs across the county from Pueblo West and Blende out to Penrose and Beulah Valley. Two quotes on anything whole-house, the specification in writing, and no signature the day the pitch happens — the replacement guide carries that discipline in full.

None of this page is legal advice, and statutes get amended. The sections quoted here were read on 25 August 2026 and are linked above so you can check them yourself — which, on a five-figure decision, is worth ten minutes.

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