The state of Colorado, through Senate Bill 38 states the following:
“Prohibits a roofing contractor from paying, waiving or rebating an insurance deductible for a property owner. (Nor may a contractor advertise or promise to waive, pay or rebate same.)”
Though this may seem an inconvenience; this bill was designed to protect the homeowner. Insurance companies tend to not pay more for a project, than a project actually costs. That being said, contractors discounting a job up to a past the cost of the deductible will be cutting corners elsewhere. Violation of this bill is at best, a misdemeanor, at worst, a felony for both the property owner as well as the contractor.