Roofing FAQs: Answers for Central Arkansas Homeowners

Our roofing contractors Maumelle, AR homeowners trust have gathered a few tips to keep in mind when dealing with potential storm damage. The Positive of Obvious Storm Damage It may not feel like it, but it’s better when storm damage is visible than when it’s not. The sooner you can catch the damage, the sooner it can be handled. Obvious signs include missing or damaged shingles. This may not seem like a big problem, but now the elements can reach the inner layers of the roof. Storm, debris, and sun damage are in your future if you leave these problems to fester. Look in Your Attic After a Big Storm Roof damage isn’t always visible on the outside. Hidden damage caused by hail, debris, and high-force winds is a silent killer, causing more damage over time. So, it’s imperative that you check your attic for any signs of storm damage as soon as possible. These damages show up often as leaks or water damage. Check the ceiling of your attic for any water stains or even on the walls in the case of drips. Paint bubbling on your wall can also be a sign of water damage underneath. Water doesn’t seem like a big problem, but it could lead to much larger and more expensive issues. Not correcting a drip from your roof makes for a perfect breeding ground for mold, wood rot, termites, and pests in general. Also, too much water dripping onto your ceiling insulation can cause the ceiling to fall in. Do yourself a favor and check your attic after every big storm. Catching damage before it causes more problems will save you time and money in the future. Unfortunately, damage may not always be so obvious. Just because you can’t see it doesn’t mean it’s not there. The only way to be sure is to let the pros at Patriot Roofing and Restoration conduct a thorough assessment. Save yourself the headache and aggravation down the road by catching it early!

An insurance claim supplement corrects the Scope of Loss (sometimes referred to as an insurance estimate) where items are omitted, overlooked, underpaid, or discovered after the adjuster’s initial assessment. Supplementing a claim is allowable, and insurance companies want the initial supplement request submitted and approved before work begins on the project. There also may be items that need to be repaired or replaced that are not noticed until after work has started. If this happens, a second supplement will be submitted. At Patriot Roofing and Restoration, our main goal is to do the job according to the manufacturer’s specifications and local and state building code requirements. A Patriot team member meets your adjuster, points out the damage and documents what we find with photos. We review your carrier’s Scope of Loss, identify each item that may need a supplement, write an explanation, and support it with pictures. Your insurer decides what is covered. Not every item may be approved. For that matter, it can vary from adjuster to adjuster and insurance company to insurance company. As the homeowner, your involvement in the process matters, because the claim is between you and your insurance company. Coverage depends on your policy, and your deductible is always your responsibility. Once the insurance company approves a supplement you will receive a notification and a new or revised Scope of Loss from your insurance company. If a supplement is approved, payment may come as an additional check from your insurance company.

When selling your home, if your roof is in bad shape or in need of major repairs or replacement, it may prevent potential buyers from bidding on it. Many buyers these days expect the roof to be in optimal condition. Replacing a roof before that obstacle presents itself may mean a quicker sale. Patriot Roofing and Restoration can conduct a thorough roof inspection, and if there is storm damage, your homeowners policy may cover some or all of a replacement. Coverage depends on your policy and the decision is your insurer’s, and your deductible is always your responsibility. Contact the roofing company Maumelle, AR homeowners recommend to learn more.

While some DIY home projects turn out fine, roofing is not one of them. Falls from roofs and ladders are among the most common causes of serious injury in do-it-yourself home projects, which makes roofing one of the riskiest jobs a homeowner can take on. Plus, you are violating your roof’s warranty and negating coverage of any future repairs. Calling a professional roofing contractor to correct DIY mistakes can lead to costly bills. A DIY roof replacement job compared to an experienced team of professional roofing contractors Maumelle, AR trusts at Patriot Roofing and Restoration warrants a higher risk for issues with incorrectly installed shingles, holes, code items, and manufacture specifications, along with aesthetics and quality.

The shape and style of your roof will help determine whether shingles or metal is the better fit. Your budget or insurance coverage may determine what type of roofing material you use. At Patriot Roofing and Restoration, we only use industry-recommended materials so you can be assured your roof will be protected. If you want to upgrade from a 25-year shingle to a shingle with a Lifetime Limited Warranty, we can help you with that. Maybe you want to upgrade to a Class 3 Impact Resistant shingle; we can give you those options too. Class 4 impact-rated shingles may qualify you for a homeowners insurance discount; discounts vary by insurer, so confirm with your agent. It’s important to understand that your roofing system materials consist of more than shingles. In addition to shingles, there’s decking, drip edge, ice and water barrier, underlayment, flashing, and ventilation as well as other materials depending on what type of roofing system you have. At Patriot Roofing and Restoration, we will recommend the best quality materials. Every Patriot roof replacement carries our written guarantees, and repairs carry their own repair guarantees.

If your roof is old or damaged, roof replacement can help lower energy bills. It’s ideal that the attic remains close to the outside temperature, but overheating during the summer is a sign of inadequate ventilation. This can directly cause the HVAC system to work in overdrive. A new roof lowers energy bills with ventilation and sound materials that prevent excess drafts and water leaks. To learn more about new, efficient roofing materials, reach out to our roofing company in Maumelle, AR.

Deciphering an insurance claim takes experience and knowledge that most homeowners find stressful. Common terms such as “ACV,” “RCV,” “Deductible,” and “Depreciation” are often puzzling to people who don’t handle insurance claims regularly. At Patriot Roofing and Restoration, we want our customers to have full clarity about their insurance claims and to acquire the necessary knowledge to make confident decisions about their property restoration needs. There are a few things that should help you understand the insurance jargon, and we will attempt to explain RCV, Deductible, ACV, and Depreciation. 1. RCV (Replacement Cost Value): When you see RCV in the roofing insurance claim paperwork, this is what your insurer estimates it would cost to repair or replace the damaged property at today’s prices, before any depreciation is taken out. 2. Deductible: This amount is your out-of-pocket responsibility to pay. The insurance company will deduct this amount from your ACV check, and you are responsible for paying the deductible to your contractor. 3. ACV (Actual Cash Value): Actual Cash Value is the replacement cost minus depreciation, which is what the insurer says the damaged property was worth given its age and wear. ACV = RCV minus Depreciation. On most claims the first check is the ACV minus your deductible. Note: If you have an ACV-only policy, the ACV is the most your policy pays for the damage. 4. Depreciation: The value your insurer subtracts for the age and wear of the roof. Depreciation = RCV minus ACV. If you have a replacement cost policy, depreciation that is recoverable is usually paid after the work is complete, depending on your policy and your insurance company’s process. Supplement Items are items overlooked by the insurance adjuster on the claim. Your contractor can submit a supplement asking the insurance company to review those items. Your insurer decides what is approved. For example, let’s say your roof is 2,000 square feet, but the adjuster mistakenly only allowed for 1,800 square feet. The contractor would then submit the supplement for the remaining 200 square feet of shingles, underlayment, and other materials. If the supplement is approved, the insurance company may issue an additional check to the homeowner, or add the supplement total to the depreciation check. We hope this helped in explaining RCV, Deductible, ACV, and Depreciation when concerning an insurance claim. If you have additional questions, please contact our roofing company Maumelle, AR homeowners rely on.

The truthful answer is NO. Some roofing companies offer to “waive” or “absorb” the deductible on an insurance claim. Waiving or absorbing a deductible can be insurance fraud under Arkansas law, and it can expose both the contractor and the homeowner to penalties. Arkansas Code 23-66-501 to 513 covers fraudulent insurance acts, and it requires that what is sent to an insurer is true. Don’t be fooled! Patriot Roofing and Restoration follows Arkansas HB 1308 (2025) on deductibles. Your deductible is your responsibility, and we never waive, absorb, rebate or cover it, including through “free” upgrades or credits. What your insurer is told you paid and what work was done always matches what actually happened. We strongly caution you not to do business with a contractor claiming they can eliminate or absorb a deductible. Transparency and honesty should come first!

We know that at the time of property loss, it may be difficult to come up with the funds to pay your deductible. Patriot financing helps cover deductibles. With approved credit, you can choose $0 down and 0% financing for 12 months, or low monthly payments. All rates and terms are presented to you in writing before you sign anything. Contact our roofing company Maumelle, AR homeowners love to learn more.

Hail and wind claims are often treated differently from other claims, but policies and carriers vary, and a claim can affect your premium or your renewal. Ask your insurance agent how a claim would affect your policy before you file. If you think you have hail damage, a free storm inspection shows you what is on your roof first, so you can make that decision with photos in hand. Our roofing contractors in Maumelle, AR can also help you with a roof repair after hail damage.