Smith & Co.
 Office Stuttgart
Office  Marianna 


 Forrest City Office


Little Rock Office


Office Stuttgart

Integrity Office Greenbrier



Living in the Natural State we are used to having sporadic weather.  It's basically a part of life!  Often, we find a 20-30 temperature shift during certain times of the year in a period of less than 24 hours.

Some of the most interesting weather shifts I've personally observed were on a deer stand in the late fall to early winter.  I've always made it a priority to be outside during these shifts to observe wildlife's reaction.

This temperature shift, of course, typically means bad weather including hail.  Which leads me to this blog headline about

In Arkansas, NOAA indicates you have a 6% chance in any given year of having severe hail damage within 25 miles of your home.  In parts of Texas or Oklahoma, this number increases above 8%.  These are pretty high probabilities

compared to other parts of the US.  As a result, many insurance companies including large national firms that you see all the advertising have changed how they handle or indemnify on roof related claims.  

Of utmost importance, insurers have updated their policy forms to remove roof coverage when it's solely cosmetic in nature meaning they will not pay if the damage impact only the appearance and not function of roof surface.  This damage

is superficial and will not impact the integrity of roof at all over the long run.  Many insureds still find this troubling and not all insurance companies have the cosmetic exclusion.  Other insurance companies have added total  "cosmetic

damage" exclusions which could apply beyond roof surfaces such as siding or gutters and downspouts.  At MFS Insurance, Inc. we recommend not leaving this to chance; so call one of our

agents in Forrest City, Little Rock, Stuttgart, Forrest City, or Marianna to discuss your current policy in more detail and how hail coverage applies.  It's always better to know ahead of time than find out after the fact.


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