Springdale, AR
(479) 250-1470

Insurance Information

Hail and wind claims in Arkansas, from first inspection to final check.

Navigating insurance claims after storm damage can be stressful. Pinnacle Roofing & Siding has nearly 30 years of experience working with all major insurance providers to ensure you receive fair coverage for your roof, siding, and gutter repairs.

Call (479) 250-1470

The claim, step by step

Six steps. We run the paperwork side by side with you.

The same sequence applies to a hail claim, a wind claim, or both on one roof. Looking at the rebuild itself? See storm restoration or storm damage roof repair.

  1. Schedule a Free Inspection

    After a storm, or whenever you notice damage, contact us for a no-cost roof, siding, or gutter inspection.

  2. We Document the Damage

    Our team photographs and records all damage in detail, creating a comprehensive report for your insurance company.

  3. File Your Claim

    We help you file the claim with your insurance provider, ensuring all damage is properly documented from the start.

  4. Adjuster Meeting

    We meet your insurance adjuster on-site to walk through the damage together and advocate for full coverage.

  5. Supplements if Needed

    If the initial estimate falls short, we file supplements with additional documentation to ensure fair coverage.

  6. Restoration Complete

    Once approved, we complete the work and you typically pay only your deductible. We handle the rest.

A typical claim

Expect 3 to 6 weeks, storm to finished roof.

Day 0 to 1
Free inspection
Day 1 to 3
Claim filed
Day 3 to 10
Adjuster on-site (longer after widespread storms when adjusters are backed up)
Day 10 to 20
Estimate, supplement filing if needed, materials ordered
Day 20 to 30
Install and final inspection

Every major carrier

We Work With All Major Insurers

Whether your policy is with State Farm, Allstate, Liberty Mutual, Farmers, USAA, or any other provider, our team knows the process inside and out. We advocate for full and fair coverage on every claim.

  • State Farm
  • Allstate
  • Liberty Mutual
  • Farmers
  • USAA
  • and more

Arkansas roofing insurance

Arkansas Roofing Insurance Questions, Answered

Not sure which of these applies to your claim? Call (479) 250-1470 and we'll read your declarations page with you.

ACV (Actual Cash Value) pays the depreciated value of your roof at the time of damage, so you receive less because age and wear are deducted. RCV (Replacement Cost Value) pays the full cost to replace your roof with materials of similar kind and quality, often released in two payments (ACV up front and the recoverable depreciation after the work is complete). RCV is the better coverage for homeowners. We can help you read your declarations page to confirm which one you have.

You owe your deductible (the amount in your policy) to the contractor as part of the project cost. Arkansas law (and most insurance contracts) prohibits a contractor from waiving, rebating, or absorbing your deductible. Anyone who offers to do that is likely committing insurance fraud and putting your claim at risk.

Denials usually fall into one of three buckets: not enough documented damage, damage attributed to age rather than the storm, or a policy exclusion. We can request a re-inspection with the adjuster, file a supplement with additional documentation (drone photos, lab tests for hail bruising, etc.), or recommend a public adjuster for stubborn cases. Most denials we see overturn once the right evidence is on file.

From storm to completed roof, expect 3 to 6 weeks in a typical case. Day 0 to 1: free inspection. Day 1 to 3: claim filed. Day 3 to 10: adjuster on-site (longer after widespread storms when adjusters are backed up). Day 10 to 20: estimate, supplement filing if needed, materials ordered. Day 20 to 30: install and final inspection. We track every claim and keep you posted at each step.

You always choose. Insurance companies sometimes recommend a preferred-contractor network, but Arkansas homeowners have the legal right to hire any licensed contractor. We work with every major insurer (State Farm, Allstate, Liberty Mutual, Farmers, USAA, and more) and we manage the paperwork on your behalf.

A supplement is additional documentation submitted to your insurer after the adjuster's initial estimate, when that estimate didn't account for code-required upgrades, hidden damage discovered during tear-off, or material price changes. Supplements are common on storm-damage roofs. We file them on your behalf and routinely recover additional coverage that homeowners would have paid out of pocket otherwise.

A denied claim, appealed

What a successful appeal looks like.

Rated 4.8 stars from 265 Google reviews. This one came from a homeowner whose insurer first said no.

“Our insurance company initially denied our roof claim, but Brian did not simply give up. He carefully reviewed the situation, helped organize the necessary documentation and supporting evidence, and guided us through the appeal process. Thanks in large part to his knowledge and persistence, the appeal was ultimately successful and our roof replacement was approved.”

Juan Yan, Google review, September 2026. Verified 5-star review of Brian Teague.

Start the claim with evidence

Ready to get started?

Request a free inspection and estimate. No pressure, no obligation, just honest answers about what the storm did to your roof and how your claim should go.

Call (479) 250-1470Send us a messageStorm restoration