Read before
you sign.

Pressure to sign immediately, cash-only demands, blank paperwork, refusal to provide copies, unexplained fees, and guarantees about insurance are reasons to pause and verify. Never permit manufactured damage or sign a false invoice.

Look for repair authorization, exclusivity, a promise to hire the company if insurance approves, cancellation charges, inspection fees, and emergency-work terms. The heading at the top does not limit the obligations inside.

These are not interchangeable. Ask whether you are transferring insurance benefits, authorizing someone to endorse a check, or giving another person decision-making power. Arizona recognizes valid post-loss claim assignments; an assignment is not automatically illegal. Get independent advice before transferring rights.

Compare that promise with the actual denial, cancellation, inspection-fee, and payment clauses. Find out what you could owe for emergency services or work that the insurer does not cover.

Treat this as a warning sign. For the claims covered by Arizona’s storm-repair statute, promises to pay the deductible, deductible payments, and direct or indirect deductible rebates are prohibited. Check the scope of that law in the next topics.

For Arizona contractor-owner contracts over $1,000, A.R.S. 32-1158 requires written information. Check for the following:

Contractor identity

The business name, business address, and Arizona ROC license number.

Owner and property

The owner’s name and mailing address, plus the jobsite address or legal description.

Dates

The contract date and estimated completion date.

Scope

A description of the work, with materials, exclusions, and attachments clearly identified.

Total price

The total amount payable, including applicable taxes—not an unexplained blank or “whatever insurance pays.”

Deposit and payment stages

The advance deposit paid or scheduled, each progress-payment amount, and the construction stage that makes it due.

Complaint notice and signatures

The required ROC complaint notice, agency contact details, applicable complaint deadline, and signatures. Read the legal detail below for the notice format and exception.

Your copies and receipts

Legible copies of everything signed and a written, signed receipt for the actual amount of any cash paid.

Missing required information does not automatically make a contract unenforceable. Ask about permits, cleanup, warranties, materials, exclusions, and written change pricing as well.

Do not ignore them. Arizona generally requires a direct written contract with the owner-occupant for a lien against a qualifying owner-occupied home. Eligibility matters, and a direct contractor may still have lien rights. Get independent advice about disputed demands and the appropriate conditional or unconditional lien-release form.

Roof Price Check, when available, uses property information, measurement assumptions, and contractor pricing to provide a starting point. It does not itself hire AniPros or submit an insurance claim. Read the provider’s privacy notice, required fields, and contact choices before submitting information. Do not send policy numbers, financial records, or sensitive claim documents through the pricing form.

A total price alone may not be enough. For the storm claims covered by A.R.S. 32-1158.02, the estimate and contract need specific details.

Your insurer decides coverage under your policy. A post-storm repair contractor cannot also act as your adjuster, negotiate your settlement for you, or promise coverage.

For a cancellation under the covered storm law, payments must be returned within 10 days. A contractor may retain reasonable payment for emergency services if it provided a detailed description and itemized charges.

A separate three-business-day cancellation rule may apply. Qualifying Arizona home-solicitation sales generally allow cancellation until midnight of the third business day after signing. The FTC also covers certain sales at a home or temporary location.