Storm Damage? We Help You Get the Roof Coverage You Deserve
When a storm damages your roof, filing a successful insurance claim can feel overwhelming, especially when you’re also dealing with water leaks, fallen branches, or missing shingles. That’s where Heritage Roofing & Repair steps in as your trusted partner. As a locally owned company based in Harrison, AR, and a leading roofer in Berryville, we proudly serve homeowners across Northwest Arkansas, including Fayetteville, Green Forest, and beyond.
We don’t just repair roofs; we help you navigate the entire insurance roof claims process from start to finish. Our expert team handles thorough roof inspections, detailed damage documentation, direct communication with your insurance adjuster, and full roof restoration or replacement. We fight to ensure your claim reflects the full extent of the storm damage, nothing missed, nothing overlooked, and nothing left on the table.
Why Choose Heritage Roofing & Repair
Over 50 Years of Local Experience
We’ve worked through decades of Arkansas’s changing weather patterns, learning exactly which materials and techniques last.
Licensed & Insured
All our professionals are fully certified, and our work is backed by comprehensive insurance policies.
Rapid Emergency Response
Our trucks are stocked for immediate deployment after storms.
Proven Reputation
Our Testimonials speak for themselves, with dozens of 5-star reviews from satisfied homeowners.
What’s Covered by Your Roof Insurance Policy?
Most Arkansas homeowners’ policies include coverage for sudden and accidental damage, which includes:
- Hail Damage: Bruised or missing shingles, dents in metal, granule loss.
- Wind Damage: Lifted shingles, broken seals, or punctured flashing.
- Falling Trees & Debris: Cracked decking, structural impact.
- Storm-related Leaks: Especially those that damage interior ceilings or insulation.
Fact: In Arkansas, hail and wind events account for over 60% of property insurance claims, per the National Weather Service.
If your roof damage is storm-related, your claim may qualify,even if your roof is more than 15 years old.
Why Heritage Roofing & Repair Is Trusted for Insurance Roof Claims
Filing an insurance claim is more than just paperwork; it’s about having the right partner on your side who understands both roofing and insurance language. Here’s why our clients trust us:
Local Experience You Can Rely On
Operating from Harrison, AR, we’ve handled insurance roof claims across Boone County and surrounding areas for over a decade. Our experience means we know how to spot regional storm damage indicators, such as impact patterns from hailstones and wind-driven rain, details that insurance adjusters often overlook.
Insurance Knowledge + Roofing Expertise
We’re not just a roofer in Berryville or Harrison, we’re claim advocates who know how insurance providers work. We ensure claims are written with complete scopes of work using proper codes, helping you avoid underpaid settlements.
Quick Response, Accurate Estimates
We provide fast inspections with photographic evidence, moisture mapping, and drone imaging when needed. Our free storm damage evaluations often help clients discover hidden damage and avoid costly out-of-pocket repairs.
Fully Certified & Insured
As a fully licensed Arkansas roofing contractor, we meet all insurance requirements, including general liability and workers’ comp, critical when working on insured properties.
Roof Claim Process – Simple, Transparent, Proven
- Inspection & Documentation: We identify all storm-related damage, visible and hidden, and provide a detailed photo report.
- Claim Filing Support: We guide you through filing your claim and submitting all evidence needed to start the process quickly.
- Adjuster Meeting: We’re there when your adjuster arrives to point out all damage and ensure accurate scope-of-work approvals.
- Approval & Scope Review: We carefully review your insurer’s estimate and request supplements if key components are missing.
- Roof Repair or Replacement: Once approved, we install your new roof using high-quality materials backed by our roofing warranty.
Avoid These Common Insurance Claim Pitfalls
Waiting Too Long to File
Most Arkansas policies give you 365 days from the date of loss to file. After that, claims may be denied, even if damage is obvious.
Using a “Preferred” Roofer from Insurance
You’re not required to use the contractor your insurance recommends. Often, these contractors work for volume and not quality. You can choose your own roofer, and we advocate for your best outcome, not the insurer’s bottom line.
Accepting the First Payout Without Review
Initial insurance estimates often miss:
- Ventilation upgrades
- Ice/water shield for valleys
- Code-mandated decking repairs
- Matching shingle provisions
We review every estimate and request supplements when appropriate.
Roof Insurance Claims: Key Considerations Table
Factor | Description | Why It Matters |
Claim Eligibility | Most homeowners insurance policies cover sudden, accidental damage such as storm, hail, or fallen tree impacts. | Knowing what your policy covers helps avoid surprises or denials when filing a claim. |
Common Covered Damages | Hail damage, wind uplift, missing shingles, tree impact, and water intrusion. | Identifying covered damage ensures your roof issue qualifies for reimbursement. |
Documentation Needed | Photos of damage, inspection report, contractor’s estimate, claim forms. | Proper documentation strengthens your case and speeds up approval. |
Insurance Adjuster Role | Inspects and estimates the roof damage on behalf of the insurance company. | They determine how much the insurer is willing to pay—our team can meet with them to ensure nothing is overlooked. |
Deductible | The amount you pay out-of-pocket before insurance coverage kicks in. | This can affect your out-of-pocket cost for roof repair or replacement. |
Depreciation (ACV vs. RCV) | Actual Cash Value (ACV) subtracts depreciation; Replacement Cost Value (RCV) covers full replacement. | Understanding the difference affects how much money you receive. |
Filing Deadline | Varies by policy, but often 1 year from the date of damage. | Missing this window can disqualify your claim. |
Contractor Support | A reputable roofing contractor helps file documentation, speak with adjusters, and handle supplements. | Partnering with a local expert like Heritage Roofing increases the likelihood of a fair outcome. |
Most homeowners insurance policies in Arkansas cover sudden and accidental damage such as hail, windstorms, or falling tree limbs. At Heritage Roofing & Repair, we start with a professional inspection to assess whether your damage qualifies. We’ll also review your policy with you to ensure you understand your coverage.
Yes. Hailstorms are one of the leading causes of roof damage in Harrison and surrounding areas. If your roof was damaged during a recent storm, we can provide a detailed inspection report to help you file a successful insurance claim.
Absolutely. A roof inspection from a licensed local roofer like Heritage Roofing helps document damage properly and ensures you don’t file prematurely. We’ll even meet with your adjuster to advocate for you.
First, get a roof inspection. Then, file a claim with your insurance company. They’ll send out an adjuster to inspect the damage. We’ll work with them directly, handle supplements, and complete the approved repairs or replacement—all while keeping you informed at every step.
Most insurance policies require you to file within one year of the storm date. However, it’s best to act fast, as delays can result in denied claims. If you're in Harrison or surrounding towns, call us for a same-day inspection.
Filing a storm-related claim (like wind or hail) is considered an “Act of God” and typically won’t increase your premium individually. However, rates may rise in the region based on the total number of claims. We’ll help you weigh the pros and cons before filing.
Yes. We specialize in insurance roof claims and assist Harrison homeowners every day with documentation, adjuster meetings, estimates, and supplements. Our goal is to make the process stress-free and fair.
We do! Our insurance claims services extend throughout the Ozarks, including Berryville, Green Forest, Valley Springs, and Eureka Springs. If your roof was hit by a recent storm, give us a call for a fast and local response.
Contact Us Today
Heritage Roofing & Repair
Address: 3458 Arkansas State Hwy 221, Berryville, AR 72616
Phone: (870) 654-1164
Email: info@myheritageroofing.com
Business Hours
Monday: Open 24 hours
Tuesday: Open 24 hours
Wednesday: Open 24 hours
Thursday: Open 24 hours
Friday: Open 24 hours
Saturday: Open 24 hours
Sunday: Closed