To file a hail damage roof claim in Arkansas: photograph the hail and the damage right away, stop any leaks, check your wind and hail deductible and reporting deadline, call your insurer to open a claim, get a roof inspection with photos and a written price, then meet the adjuster. Arkansas law also lets you cancel an insurance repair contract within three business days after a written denial.
Step by step
- Photograph the hail. Put a few stones next to a coin or ruler and take photos right after the storm.
- Photograph the damage. Dents on gutters, vents, cars and mailboxes, shingle pieces in the yard, and any stains inside.
- Stop leaks. Cover open areas or call for a tarp. Keep receipts.
- Read your policy. Find your wind and hail deductible and your deadline to report.
- Open the claim. Call your insurer or agent and write down the claim number.
- Get an inspection. A roofer checks every slope, counts hits in test squares, and gives you photos and a written price.
- Meet the adjuster. Walk the roof damage with them, or have your roofer there.
- Review the estimate. Compare it with the written price and ask about anything missing.
Your rights under Arkansas law
Under Arkansas Code 4-88-903 and 4-88-904, a contractor who signs a repair contract to be paid by insurance must give you a written notice of your right to cancel. You can cancel within three business days after your insurer tells you in writing that all or part of the claim is not covered. The contractor cannot start work before that window passes and must refund payments within ten days if you cancel, except for emergency work like tarping.
Hail in Jefferson County
NOAA lists 80 hail reports in the county since 2005. Recent big days include 3 April 2025, with golf ball to tennis ball size hail in Pine Bluff and Watson Chapel, and 10 March 2018, with 3.5 inch hail in Pine Bluff. See hail damage roof repair and signs of hail damage on a roof.
Red flags after a hailstorm
- Offers to pay or waive your deductible
- Pressure to sign before the adjuster visits
- Requests to sign over your insurance check
- No local address or phone number
Read how to spot storm chasers after hail in Arkansas.
What does an adjuster look for on a hail damaged roof?
Adjusters usually mark test squares on each slope and count hail hits: bruises, cracks and granule loss. They also check soft metal like vents, gutters and flashing for dents, which help confirm hail size. Consistent damage across slopes supports the claim.
Should I get more than one roofer’s estimate?
It can help you compare, but you do not need several before filing. What matters most is a clear inspection with photos and an itemized price that you can send to your insurer.
Does hail damage get worse over time?
Yes. Bruised shingles lose granules and the asphalt underneath breaks down in the sun, so leaks can start months later. That is one more reason to inspect and report soon after the storm.
How long do I have to file a hail claim in Arkansas?
It depends on your policy. Many set a deadline after the storm date, so check yours and report early.
Do I need a roofer before the adjuster comes?
It is not required, but an inspection with photos helps you understand the damage and makes sure nothing is missed.
What if the adjuster says there is no hail damage?
Ask for the reason in writing, and see what to do if the adjuster denies your roof claim.
Can I pick my own roofer?
Yes. The insurer pays for the damage. You choose who does the work.