Mississippi Contractor Deposit Rules (2026): No Roofing Payment During the 3-Day Cancel
Mississippi sets no deposit cap, but since July 2024 an insurance-paid residential roofer can't require any payment until the 3-business-day cancellation period ends. From Miss. Code 75-24-307.
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 payment 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 3-business-day cancellation period ends | $0 |
| $25,000 | Insurance-paid roofing: nothing can be required until the 3-business-day cancellation period ends | $0 |
| $60,000 | Insurance-paid roofing: nothing can be required until the 3-business-day cancellation period ends | $0 |
Who it covers and the exceptions
Covers
Residential roofing contractors working on 1 to 4 family dwellings where all or part of the cost is expected to be paid by a property and casualty insurance policy (Miss. Code 75-24-305).
Payment timing
When payment may come from insurance proceeds, the contractor may not require any payment from the insured until the 3-day cancellation period has expired (Miss. Code 75-24-307(2)(a)).
Refund
The insured may cancel within 3 business days; payments, except for emergency services, must be returned within 10 business days of the contractor receiving the cancellation notice (Miss. Code 75-24-307(1)(a)).
Enforcement
A violation is an unfair and deceptive practice under the Mississippi Consumer Protection Act, with civil and criminal remedies and a private right of action (Miss. Code 75-24-311).
Mississippi deposit questions
Does Mississippi cap contractor deposits?
No. The only deposit-type rule found is the insurance roofing rule; the residential builder and remodeler licensing law does not limit deposits.
Can a roofer take a deposit on an insurance claim job in Mississippi?
Not as a requirement until the homeowner's 3-business-day cancellation period has expired. Emergency services the insured approved are the exception on refunds.
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.