A marketing service, not a licensed contractor. Metal roofing work is performed by independent local roofing professionals.
Arkansas Metal
Roofing Pros Free quote

Hail damage roof replacement in Arkansas

Arkansas gets hail, and a hailstorm is how a lot of metal roofs here get bought. It is also the moment when the most pressure lands on the homeowner: an insurer with a process, a roof that needs doing, and crews arriving in the neighbourhood within days. This page is about handling that well.

Get a hail damage quote

Tell us the city and what the storm did. Your request goes to one independent local roofing professional.

This form is not connected yet. Set the Web3Forms access key in src/config/site.ts before launch.

When you submit this form, your information is shared with an independent local roofing professional for the purpose of scheduling your free quote.

Your request goes to one independent local roofing professional who works your area. We do not sell it to a list.

First, the rule that matters most in the week after a storm

Arkansas requires a roofing contractor registration certificate to perform residential roofing work, and working without one is a Class A misdemeanor with each day counted as a separate offense (Ark. Code Ann. 17-25-603). The registration is easy to get and does not involve any examination, which is precisely why a business that has not bothered with it is telling you something.

There is a specific carve-out that storm crews sometimes lean on. A home improvement or residential building contractor may do roofing under its own credential where the roofing rides along with a larger project, but only if the business does not use door-to-door sales of roofing services (17-25-610). A crew knocking on your door selling a roof does not fit inside that exemption. Ask for the roofing registration.

And the sentence worth knowing about: a roofing contractor that performs work or contracts in violation of those sections cannot bring an action to enforce the contract and cannot recover in quantum meruit (17-25-611). That is a consequence for the contractor rather than a plan for you, and your own lawyer is the person to ask about your own situation. Stated as of August 2026.

The deductible conversation

The Arkansas Insurance Department warns homeowners about contractors who offer to waive, absorb or rebate an insurance deductible. If someone offers, the useful response is to end the conversation rather than to litigate whether it is allowed. A business that opens with an offer to manipulate the paperwork on your claim is describing how it works.

The same goes for a contractor offering to handle the claim on your behalf or to negotiate directly with the adjuster. Talk to your insurer and your agent yourself.

What insurance usually pays, and what it usually does not

  • Replacing what you had. The policy is generally written around restoring the roof covering you lost.
  • The upgrade to metal is normally yours. Budget for the difference rather than assuming it is covered.
  • Cosmetic damage may be excluded. Some policies carry a cosmetic damage exclusion that matters specifically on metal, where a dent may not affect performance. Read your own policy language.
  • Impact-resistance discounts come from the product. If a discount is part of your reasoning, get the specific panel and its rating in writing and confirm with your own agent what your carrier accepts.

A sensible order of operations

  • Photograph what you can safely see, from the ground, before anything changes.
  • Report the claim to your own insurer yourself.
  • Get a written estimate from a roofing professional you selected, not one who selected you.
  • Check the registration, the bond and the insurance certificates before signing anything, including any authorization form a crew hands over on the doorstep.
  • Read any document described as a formality. Some are contracts.

Before you sign

Four things you can check in Arkansas

Arkansas registers roofing contractors and does not examine them, so the state confirms who is bonded, insured and answerable to the committee. Everything about skill is still yours to check.

  1. The roofing contractor registration

    Arkansas requires a roofing contractor registration certificate to perform residential roofing work. Ask for the registration and check it against the Contractors Licensing Board's own record. Working without one is a Class A misdemeanor under 17-25-603, with each day counted as a separate offense.

  2. The $15,000 surety bond

    Every registrant files a $15,000 surety bond with the application, along with proof of workers compensation coverage where the business has employees (17-25-604). The bond is not an insurance policy for your project, and it is worth knowing it exists and who wrote it.

  3. A current insurance certificate, sent by the agent

    Ask for general liability and workers compensation certificates to be sent to you directly by the insurance agency, naming you, rather than handed over as a PDF. Arkansas does not test roofers, so this is one of the checks that carries real weight.

  4. A written contract with a change-order process

    Get the scope, the metal system and gauge, the underlayment, the fastening method and the price in writing, with a stated process for anything found once the old roof is off. Decking damage is the usual surprise on a tear-off.

Registration rules from Ark. Code Ann. 17-25-601 to 17-25-611, published by the Arkansas Contractors Licensing Board. Status as of August 2026.

More detail: Arkansas hail damage insurance claims, storm chasers and door-to-door roofing sales, and The Arkansas Metal Roofing Guide.

Common questions

Should I sign with the first crew that knocks after a storm?
No, and Arkansas law gives you a specific reason to slow down. A home improvement or residential building contractor can only do roofing under its own credential rather than a roofing registration where the roofing rides along with a larger project and the business does not use door-to-door sales of roofing services. A crew door-knocking for roofs is outside that exemption, so ask for the roofing contractor registration itself.
A contractor offered to cover my deductible. Is that all right?
Treat it as a reason to stop. The Arkansas Insurance Department warns homeowners about contractors who offer to waive or absorb a deductible. Whatever the legal analysis turns out to be in a particular case, the offer tells you how that business intends to handle the paperwork on your claim.
Will insurance pay for the upgrade from shingles to metal?
Usually the policy pays to replace what you had, and the difference to metal is money you add. That is worth settling early, because it changes which metal system and gauge make sense for your budget.
Is a dent in a metal panel covered damage?
Whether a dent counts as functional damage or cosmetic is exactly the question that gets argued on metal roofs, and some policies specifically exclude cosmetic damage to metal. Read your own policy language on cosmetic exclusions before you assume, and ask your agent directly.

Get a hail damage roof quote in Arkansas

Tell us the city and what the roof needs. Your request goes to one independent local roofing professional who works your area.

Request a free quote