The solutions? For the BuildFax suggestions, we'll have to wait for Parts 2 and 3, which we'll link to here in coming weeks. But there are troubling signs to suggest that insurance companies may be trying to solve the problem by paying fewer premiums. One pro-roofer forum turned up several discussions that point to recent and surprising changes in insurance policies, including assessing multiple deductibles and opting for repairs over replacements, even denying coverage on initial response (sometimes perhaps illegally). At the same time, legislation in several states, including Kansas and Oklahoma , and recent lobbying by the insurance industry in Texas, seeks to control the purported rise in "storm chasing" activities by placing restrictions on roofing companies. The Oklahoma law, which would require roofing companies to buy a $30,000 bond, is seen as the most costly to roofers. All this proposed legislation occurs in states that do not require roofers to be licensed. While there might be good arguments for requiring licenses for roofing contractors that are supported by roofers, the proposed regulations in these states is being pushed as a deterrent to scam artists with strong support from the insurance lobby.