AI receptionist for roofing contractors

Rules that apply to you, not the vendor

• · TCPA outbound limits bite hardest in roofing, because the obvious move after a storm is to call and text every household in the hail swath. 47 CFR 64.1200(c)(1) bars telephone solicitations to a residential subscriber before 8 a.m. or after 9 p.m. local time at the called party's location, and the same section requires prior express written consent for autodialed or prerecorded calls that include an advertisement or constitute telemarketing. A storm-list dialing or texting campaign is telemarketing, and the national and company-specific do-not-call rules in the same section apply to it. See https://www.ecfr.gov/current/title-47/section-64.1200
• · Call-recording consent: California Penal Code 632(a) makes it an offense to record a confidential communication without the consent of all parties, and other all-party consent states, commonly including Florida, Illinois, Pennsylvania and Washington, apply similar rules. Speak a recording disclosure at the top of every call in every market rather than configuring it per state. See https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=PEN&sectionNum=632
• · Deductible inducements are illegal in a growing number of states and Florida is the clearest example. Florida Statute 489.147(2)(b) bars a contractor from offering a residential property owner a rebate, gift, gift card, cash, coupon, waiver of any insurance deductible, or any other thing of value in exchange for allowing a roof inspection or for making an insurance claim for roof damage. Violations carry a fine of up to $10,000 each. See https://www.flsenate.gov/Laws/Statutes/2025/489.147
• · Unlicensed public adjusting: Florida Statute 489.147(2)(d) bars a contractor from interpreting policy provisions, advising an insured about coverages or duties under their property insurance policy, or adjusting a claim on the insured's behalf unless the contractor holds a public adjuster license. Most states have an equivalent public adjuster licensing law. The agent must never say a claim will be approved, estimate a payout, tell a caller their damage is covered, or coach them on what to tell the adjuster.
• · An AI receptionist is not a loophole. Florida Statute 489.147(4)(a) provides that the acts of any person on behalf of a contractor, including a compensated employee or a compensated non-employee soliciting for them, are considered the actions of the contractor, and 489.147(1)(c) defines soliciting to include contact by telephone and any other real-time communication directed to a specific person. A bot's script and its outbound calls are the contractor's conduct.
• · Prohibited advertisement rules apply to what the agent says, not just to flyers. Florida Statute 489.147(1)(a) treats any written or electronic communication that encourages, instructs or induces a consumer to contact a contractor or public adjuster for the purpose of making a roof damage claim as a prohibited advertisement unless it carries the required disclosures, including that the consumer is responsible for paying the deductible.
• · No firm price without an inspection. Roof scope depends on square footage, pitch, layers, decking condition and material, none of which can be established on a call, so the agent should book an inspection and never quote a replacement number.
• · Licensing: roofing contractors are registered or certified under state contractor law in a number of states, including under Florida Chapter 489. The agent must not claim a license, certification, or manufacturer credential the company does not actually hold, and must not describe the company as approved by, partnered with, or working for the caller's insurance carrier.