Storms are nothing new in Northwest Arkansas. But after the thunder quiets and the hail melts, homeowners are often left wondering: Is my roof okay? Will insurance cover the damage? What’s my next step?
This guide will walk you through what every Arkansas homeowner should know about roofing and insurance—from how your roof affects your coverage to how to make informed decisions after a storm.
If your roof is less than 10–15 years old, your insurance policy is more likely to cover a full replacement if it’s damaged in a storm. Older roofs—especially those over 20 years—may only qualify for Actual Cash Value (ACV) coverage, meaning depreciation is deducted from your payout.
Tip: Ask your insurer what kind of coverage your roof has today—don’t wait until after a storm.
Insurers often send adjusters to inspect the roof before issuing or renewing a policy. Damage, missing shingles, or signs of poor maintenance can lead to higher premiums—or even denial of coverage.
How to stay in good standing:
Schedule regular inspections with a trusted roofing contractor
Repair damage promptly
Keep gutters and flashing in good condition
The material your roof is made of can influence your premium. Some materials offer better weather resistance and longer lifespan, which insurers love.
| Roofing Material | Insurance Impact |
|---|---|
| Metal Roofing | Durable, fire-resistant, often lowers premiums |
| Slate or Tile | Long lifespan, may qualify for discounts |
| Asphalt Shingles | Standard option, moderate pricing |
| Wood Shakes | Higher fire risk = higher premium |
Some insurers now offer discounts for impact-resistant shingles (Class 3 or Class 4), which are designed to stand up to hail. Ask your provider if that’s an option for your home.
After hail or storm damage, time is critical. Most Arkansas insurance policies require you to file a claim within 12 months of the event—but some policies may be even stricter.
Waiting too long can result in:
Denied claims
Reduced payouts
Out-of-pocket costs for problems that worsened over time
Even if you don’t see visible damage, get your roof professionally inspected. Some issues (like bruised shingles or hidden leaks) won’t show symptoms for months.
Once an insurance claim is filed and you receive a roofing estimate (from the adjuster or your contractor), here’s how to make sense of the key terms:
RCV (Replacement Cost Value): What it would cost to replace your roof today
ACV (Actual Cash Value): RCV minus depreciation due to age/wear
Deductible: Your out-of-pocket portion of the claim
Most claims involve two checks:
First payment — the ACV, sent upfront
Second payment — the “recoverable depreciation,” sent after the work is done and documented
Make sure the estimate covers all necessary materials and local building code upgrades, not just a patch.
Yes. Even if a storm chaser got there first or you’ve already had an inspection, you can still choose the contractor you want.
Here’s how:
Review any contracts you’ve signed. Some “contingency agreements” are non-binding if no work has begun.
Let your insurance adjuster know. This helps avoid confusion during the claim process.
Get a clear scope of work from your preferred contractor (like Pinnacle Roofing), to compare with the insurance estimate.
Working with a trusted local company helps ensure quality and warranty-backed work—no surprises.
Have your roof inspected every 1–2 years or after major storms. Catching issues early helps avoid costly repairs and can support your claim if needed.
Blocked gutters cause water to back up under shingles. Keep them clear in spring and fall to prevent damage and mold growth.
Photos, receipts, and inspection reports show your insurer that you’ve taken good care of your home. This strengthens your case in the event of a claim.
Fixing a few missing shingles today is much cheaper than a full roof replacement tomorrow—and keeps your policy in good standing.
Proper airflow in your attic keeps heat and moisture from damaging your roof over time. It also reduces the chance of ice damming and improves energy efficiency.
Insurance policies can feel complicated—but with the right information, you can protect your home and your wallet. From understanding your coverage and claim deadlines to choosing the right contractor, being informed gives you peace of mind.
If you're unsure about the condition of your roof or what your insurance might cover, schedule a free inspection with Pinnacle Roofing. We’re here to answer questions, review your policy details with you, and help guide you through your next steps with clarity.