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Colorado

Colorado · home improvement

Your rights in Colorado

Information, not legal adviceRules checked Oct 4, 2026

3 business days to cancel

If sold at your home on the seller's own credit

Cancel in writing by midnight of the third business day. For cash sales at home, the federal 3-day rule may apply instead.

Some sales are excepted, such as emergency work you ask for in a signed waiver.

The 5 exceptions, in the rule's words
  • An emergency: you sign a separate, dated statement (not a printed form) that describes an emergency and asks the seller to provide goods or services without delay to protect health, safety or welfare or to prevent damage to your property, and the seller in good faith makes a substantial start on the work before you cancel. For goods, the goods also must not be returnable in substantially as good condition.
  • Sales made after earlier negotiations between you and the seller at the seller's fixed business location where the goods or services are offered.
  • Sales made under a revolving credit account you already have.
  • Transactions conducted and completed entirely by mail or telephone.
  • Sales that already carry the separate federal Truth in Lending Act right to rescind.
Read the full rule

When it applies

The seller, or someone acting for the seller, personally solicited the sale, you gave your agreement at a residence, and it is a consumer credit sale. That means credit is granted or arranged by a seller who regularly extends credit of that kind (a bank or other lender credit card does not count), you are buying for personal, family or household use, you pay in installments or a finance charge is made, and no more than $75,000 is financed. Cash sales fall outside this state right. The federal FTC Cooling-Off Rule (16 CFR Part 429) separately covers sales of $25 or more made at your home, whether you pay cash or use credit.

If a seller came to you and you signed at a home on a credit sale (the seller grants or arranges the credit and you pay in installments or a finance charge), you can cancel in writing until midnight of the third business day after you sign. Saturday counts; Sunday and listed holidays do not. The seller must return your payments within 10 days. Whether you pay cash or use credit, the federal Cooling-Off Rule also gives a 3-business-day right on most sales of $25 or more made at your home.

C.R.S. Title 5 · read on olls.info · checked Oct 4, 2026 (official source, opens in a new tab)

The contract must include

Source: CO law

An estimate isn't the contract. Ask for all 7 in writing before you sign.

  • Cancel rights, dated agreementIf sold at your home on seller credit: show the rule's own words

    In the rule's words

    Sold at your home on seller credit: the seller must give you a written agreement to sign that is dated the day you actually sign and includes a statement of your cancellation rights. You get a copy showing that date and the seller's name and mailing address when you sign (C.R.S. 5-3-403).

  • Roofing: written contractRoofing over $1,000, before work starts: show the rule's own words

    In the rule's words

    Residential roofing over $1,000: before any work starts, a written contract signed by you and the roofer that states the scope of work and materials, the approximate dates, and the approximate cost based on the damage known at signing (C.R.S. 6-22-103).

  • Roofing: contacts & insurersAddress, email, phone, surety, insurer: show the rule's own words

    In the rule's words

    Residential roofing: the roofer's physical address, email address and phone number, plus the roofer's surety and liability insurer and their contact information, if there are any.

  • Roofing: 72-hour cancel policyWith a full refund of any deposit: show the rule's own words

    In the rule's words

    Residential roofing: the roofer's cancellation and refund policy. It must include your right to cancel within 72 hours of signing for a full refund of any deposit, and a statement that you may cancel under C.R.S. 6-22-104 if your insurer denies the claim.

  • Roofing: deductible & trustNo deductible deals; payments in trust: show the rule's own words

    In the rule's words

    Residential roofing: a statement that the roofer cannot pay, waive or rebate your insurance deductible when insurance pays for the work, and a bold statement on the front of the contract that the roofer will hold your payments in trust until materials are delivered to the site or most of the work is done.

  • Plumber registration numbersOn bid sheets and bills: show the rule's own words

    In the rule's words

    Plumbing contractors: their Colorado registration number and their master plumber's registration number must appear on bid sheets, billing materials, vehicles and website (C.R.S. 12-155-125).

  • Solar or battery termsAgreements signed from July 1, 2026: show the rule's own words

    In the rule's words

    Residential solar or battery storage (agreements signed on or after July 1, 2026): key terms such as price and financing in conspicuous language, the contract in English or Spanish to match the language of the sale, and a dispute resolution process. For a purchase, a bold notice of your 3-business-day right to cancel must sit next to the signature line, with a cancellation form attached (C.R.S. 6-1-1804).

On signing day

  • Keep a signed copy
  • Find the cancel notice
Sources15 official pages · checked Oct 4, 2026

Notes from our check

  • Statute text was read from the 2026 Colorado Revised Statutes published by the Office of Legislative Legal Services. The olls.info files are linked from the General Assembly's '2026 CRS Titles for Download' page, which says the edition is current with the changes made at the 2026 Second Regular Session; the olls.info root redirects to leg.colorado.gov. Sections read: 5-1-301, 5-3-401 to 5-3-405, 6-1-105(1)(p), 6-1-1801 to 6-1-1811, 6-22-101 to 6-22-105, 12-115-103, 12-115-107, 12-115-109, 12-115-110, 12-115-116, 12-155-103, 12-155-108, 12-155-118, 12-155-125, 12-165-106, 12-165-107, 35-10-103, 35-10-105, 37-91-102, 37-91-105, 38-22-127 and 40-2-128.
  • Cancellation scope: Colorado's own home solicitation right (C.R.S. 5-3-401 to 5-3-405, Uniform Consumer Credit Code) covers only consumer credit sales as defined in 5-1-301(11): credit granted or arranged by a seller who regularly extends credit of that kind, a buyer who is an individual buying for personal, family or household purposes, installments or a finance charge, and no more than $75,000 financed for goods or services. A purchase on a lender credit card is excluded (5-1-301(11)(b)(I)). The federal FTC Cooling-Off Rule (16 CFR Part 429) applies to door-to-door sales whether paid in cash or on credit: you may cancel until midnight of the third business day for sales of $25 or more made at your home ($130 or more at other temporary locations), and the seller must refund within 10 business days (16 CFR 429.0(a), 429.1(g)). Section 429.2 keeps state door-to-door laws in force alongside it. Its exclusions include a bona fide emergency with a handwritten waiver, a repair or maintenance visit you requested for your own personal property, sales after prior negotiations at the seller's permanent retail location, and sales that carry the federal Truth in Lending Act right to rescind. The Colorado Attorney General's contractor-fraud page also points homeowners to this federal right. The app should not tell a cash buyer that Colorado's credit-sale right applies, and should not suggest the federal right is limited to cash sales.
  • The eCFR web page for 16 CFR Part 429 returned only a page shell to automated requests. The rule text was read through the official eCFR API (title 16 current as of 2026-10-01).
  • If the seller in a credit home solicitation sale does not give you the required signed agreement and statement of rights, you may cancel by any means until the seller complies, but no later than three years after the sale (C.R.S. 5-3-403(3)). After a cancellation the seller is not entitled to payment for services already performed (5-3-405(3)).
  • Roofing-only rescission rights (not used as the general cancellation entry): the roofing law covers detached one- or two-family homes and certain single-family dwellings, not new construction, and only jobs paid more than $1,000 (C.R.S. 6-22-102). A residential roofing contract must let you cancel within 72 hours of signing for a full refund of any deposit (6-22-103(1)(f)). If insurance is paying, you may also cancel within 72 hours after receiving the insurer's written denial of the claim in whole or in part, except a denial of supplemental work that could not reasonably have been foreseen at the first inspection or contract. The roofer must then return payments within 10 days, but may keep the amount for work actually performed (6-22-104).
  • Solar-only rule: for residential solar or battery storage agreements entered on or after July 1, 2026, a buyer of a system has at least 3 business days after receiving the initial signed agreement to cancel without penalty, and that period does not begin until the seller's required welcome call is made. Nonrefundable deposits collected before the signed agreement cannot exceed $100 (C.R.S. 6-1-1802, 6-1-1804(5), 6-1-1809(3)). This applies only to solar and battery systems, so it is not a deposit cap.
  • Deposits: no statute limiting deposits or down payments for home improvement contracts in general was found in the statutes reviewed, so depositCap is null and the app must not state a Colorado cap. Related rules that are NOT caps: (1) residential roofing contracts must say in bold that the roofer holds payments in trust until materials are delivered or most of the work is done (C.R.S. 6-22-103(2)); (2) money paid to a contractor under any building, construction or remodeling contract is held in trust for subcontractors, laborers and suppliers who have or may have lien claims, and misusing it is theft, unless the contractor has furnished a performance or payment bond or the owner has signed a written release (C.R.S. 38-22-127). The Attorney General's contractor-fraud page lists 'asking for more than 10% of costs up front' as a warning sign it attributes to the FTC. That is guidance, not law, and must not be shown as a limit.
  • Registration: Colorado has no statewide general contractor or home improvement contractor license or registration, so registration is null. Title 12 of the 2026 statutes (professions and occupations) has no general contractor, home improvement, roofing or HVAC article. The Attorney General's page tells homeowners to check with their city or county that a general contractor is licensed to work in the area, and says electrical and plumbing licenses are regulated by the state and searchable through the Department of Regulatory Agencies (DORA). Local licensing requirements vary by city and county and were not researched.
  • Other statewide credentials not mapped to a slug: radon measurement and mitigation professionals have needed a DORA license since July 1, 2022 (C.R.S. 12-165-106), with an exemption for an owner working on a single-family home they own and occupy (12-165-107). 'environmental-testing' is left out of both lists because other testing such as mold was not checked. Well construction, ground heat exchanger and pump installation contractors need a license from the State Board of Examiners of Water Well and Ground Heat Exchanger Contractors (C.R.S. 37-91-102(3), 37-91-105). 'septic-well' is left out because septic installer licensing was not verified.
  • Plumbing limits: the plumbing law says no plumbing license, registration or permit is needed for some work, including repair, maintenance and replacement of sinks, faucets, drains, showers, tubs and toilets, repair and replacement of garbage disposals and dishwashers, and listed installations such as building heating appliances and systems and air conditioning (C.R.S. 12-155-118(6)). The wording of that list is ambiguous for water heaters, so the app should not say a water heater installation is exempt.
  • Electrical and plumbing laws exempt an individual working on their own residence, subject to conditions (C.R.S. 12-115-116(2) and (6), 12-155-118(2)). These owner exemptions do not cover contractors hired by a homeowner.
  • Door-to-door selling: Colorado's Consumer Protection Act makes it a deceptive trade practice for a door-to-door seller not to identify themselves, whom they represent and the purpose of the visit within 30 seconds of starting the conversation (C.R.S. 6-1-105(1)(p)).
  • Sources not on a .gov/.us/legislature domain were cited alongside the official ones: https://olls.info/crs/crs2026-title-05.htm; https://olls.info/crs/crs2026-title-06.htm; https://olls.info/crs/crs2026-title-12.htm

General information from official Colorado sources. For your situation, ask the state's consumer protection office or a lawyer.

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