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Does Arkansas homeowners insurance laws have a depreciation on roofs Years ago in Arkansas there was no depreciation on homeowner policies for the roofs just wondering if that was still law?
Wiki User
∙ 10y ago
Depreciation is determined by the policy and not the "insurance laws"
If your policy has "replacement cost" benefit, there is no depreciation taken at the time of a claim.
If your policy has "actual cash value" benefit, there is depreciation taken off your settlement at the time of a claim.
Wiki User
∙ 10y ago
As of now, Arkansas does not have a specific law mandating depreciation on roofs in homeowner insurance policies. However, individual insurance companies may have their own policies regarding depreciation of roofs. It is important to check with your insurance provider for specific details about your coverage.
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