Guide · Checked October 22, 2026
Florida wrote its deductible ban into the contractor licensing law itself, which tells you who it aims at: §489.147 disciplines contractors, with fines up to $10,000 per occurrence, for using deductible waivers, rebates or gifts to induce an insurance claim.
Section 489.147(2)–(3) bans offering a rebate, gift, or deductible payment as an inducement to a property owner to file a claim. The marketing is the violation — the gift card at the door, the “sign today” rebate, the absorbed deductible in the ad. Each occurrence is separately finable, and discipline rides on the license itself: this is a DBPR problem, not just a consumer complaint.
The checker gives you the verdict. The kit gives you the paperwork, in filing order: the application walkthrough for your state's class, qualifying-party documentation templates, the bond and insurance spec sheet with your state's exact minimums, the city-registration checklist pack for no-license states, and the contract-compliance pack (deductible language and required contract notices, including Florida's deadlines calendar).
$49 one-time payment
Included in the $49 RoofingLicenseCheck Kit — every item below, for every state, one payment.
