MS HB1409

Requires roofing contractors to disclose whether they are nonresident contractors, provide contractor license numbers, and identify the company they represent when soliciting roofing services.

Mandates contractors prepare repair estimates with detailed damage descriptions, supporting documentation (photos/images), inspection details, and disclosure that no insurance coverage is assured.

Allows policyholders to cancel roofing contracts within 72 hours after receiving written notice of insurance claim denial, with contractors required to refund payments within 10 days (except for agreed emergency services).

Requires roofing contracts to contain itemized cost estimates and disclosure that policyholders are responsible for payment if the insurer denies coverage.

Establishes civil and criminal penalties under Mississippi Consumer Protection Act for contractors violating these requirements and creates a private right of action for consumers.