Professions and occupations; roofing contractor insurance; registrar duties; investigation and prosecuting section violations; effective date.

HB 3785 prohibits roofing contractors from advertising or promising to pay insurance deductibles or compensate homeowners for services as an inducement. It directly affects roofing contractors, insurers, and homeowners by requiring written disclosures about this rule in initial estimates. The bill shifts enforcement: the registrar can only receive and forward complaints to the Oklahoma Insurance Department and Attorney General for investigation, not investigate violations itself. The law takes effect November 1, 2026.