Georgia Contractor Deposit Rules (2026): No Cap, No Roofing Payment Until the Denial Window Ends
Georgia sets no deposit cap. An insurance-paid residential roofer can't require payment until 5 business days after a claim denial, except for emergency work. From OCGA 10-1-393.12.
Not legal advice. General information from each state's statutes, checked Oct 28, 2026. Local rules and the facts of your contract can change the answer; for a specific contract, ask a lawyer licensed in your state.
Set the deposit
Every payment tied to a stage
The deposit and payment schedule in the Clamp app: a $1,000 deposit due when the customer signs, then every other payment tied to a stage of the job. $1,000 on this $17,699 bathroom is under every state's cap. Sample data.
What the law says
“a residential roofing contractor shall not require any payments from an insured”
The maximum deposit, worked
| Contract price | How it works out | Maximum deposit |
|---|---|---|
| $8,000 | Insurance-paid roofing: nothing can be required until the five-day window after a denial closes | $0 |
| $25,000 | Insurance-paid roofing: nothing can be required until the five-day window after a denial closes | $0 |
| $60,000 | Insurance-paid roofing: nothing can be required until the five-day window after a denial closes | $0 |
Who it covers and the exceptions
Covers
Residential roofing contractors on one- to four-family buildings, including detached garages, where payment may come from a property and casualty insurance policy (OCGA 10-1-393.12(a), (d)).
Cancel window
The insured may cancel before midnight of the fifth business day after written notice from the insurer that all or part of the claim is not covered (OCGA 10-1-393.12(b)).
Emergency work
Emergency services the insured acknowledged in writing as necessary to prevent damage may be billed when rendered (OCGA 10-1-393.12(d)).
After cancellation
Contract fees other than for emergency services are unenforceable against an insured who cancels (OCGA 10-1-393.12(d)).
Georgia deposit questions
Does Georgia cap contractor deposits?
No. OCGA 43-41 and the licensing board rules set no deposit limit. Only insurance-funded residential roofing has a payment timing rule.
Can a roofer collect for emergency tarping before the window ends?
Yes, if the homeowner acknowledged in writing that the emergency work was needed to prevent damage (OCGA 10-1-393.12(d)).
Compare other states
How we checked
We read each state's statute or licensing rule on the official legislature or agency site and quote it as written. Where the official site would not load, the row says so and names the copy we read. A state stays "still being checked" until we have read the full rule; we never mark it "no cap" before then. Last checked .
This guide explains what the statutes say. It is not legal advice; for a specific contract, ask a lawyer licensed in your state.