Insurance doesn’t have to be hard
What is a deductible?
It’s the part of your insurance claim you pay out of pocket before insurance pays the rest.
Who pays the deductible?
You, the homeowner. It cannot be waived or paid by the contractor — that’s against Arkansas law.
Why do I pay it to the contractor?
Because your contract is for the full job amount. Insurance pays their share, you pay your share (the deductible) to us.
What’s the homeowner’s job?
Call your insurance when there’s damage
Meet the adjuster
Sign a contract with us
Pay your deductible
Send insurance funds to the contractor
What’s the contractor’s job?
Give a clear estimate
Do the work safely and to code
Communicate with your insurance adjuster honestly
Provide warranty and paperwork when finished
What’s the insurance company’s job?
Inspect the damage
Approve/deny the claim
Pay the covered amount (minus your deductible)
Release final funds once the work is complete
What if more damage is found?
We’ll stop and show you (ex: rotted wood under shingles)
We’ll write a change order for you to approve
Insurance may cover the extra, but you may owe part.
Can a roofer cover my deductible?
No. In Arkansas, it’s illegal. Contractors who say “we’ll cover it” are breaking the law.
Q: Can my roofer pay or waive my deductible?
A: No. In Arkansas, it’s legally prohibited for a contractor to waive or absorb your insurance deductible. Doing so is considered an unfair and deceptive practice.
Q: Why is paying a deductible necessary?
A: Your deductible is part of your insurance contract. It’s your agreed cost share before insurance pays the rest.
Q: When will I pay the deductible?
A: Usually at the start (or per contract terms) to your roofing contractor.
Q: What if my insurer doesn’t release all the funds until after completion?
A: That’s common. Insurers may withhold depreciation or final payment (RCV) until you submit proof the work is finished.
Q: What if there is unexpected damage found after tear-off?
A: We will provide a change order for your approval before proceeding.
Q: Can I use multiple contractors / get multiple quotes?
A: Yes — and it’s wise. Comparing estimates helps you understand what's fair.
Q: What should I look for in a roofing contract?
A: Itemized scope, materials list, timeline, payment schedule, warranty, change order clause, your deductible.
Q: Who handles the insurance communication?
A: We will coordinate with your insurer and adjuster, provide necessary documentation, and advocate for full scope coverage — but legally and ethically.