Arkansas Insurance-Funded Residential Exterior Repair Contract

ARKANSAS INSURANCE-FUNDED RESIDENTIAL EXTERIOR REPAIR CONTRACT

Before signing: Complete the scope and both detachable insurance cancellation notices. Before work starts, give the defect-process notice below for covered work and personally deliver or send the owner lien notice by certified mail. Record the actual delivery. An in-home sale may carry a separate cancellation duty.

Contract date: [__/__/____]

Insured Owner: [FULL NAME]

Property address: [STREET, CITY, ARKANSAS ZIP]

Contractor legal name: [FULL NAME]

Contractor business address for cancellation notices: [STREET, CITY, STATE ZIP]

Contractor telephone and email: [PHONE; EMAIL]

This contract covers the repair or replacement of [ROOF SYSTEM / OTHER EXTERIOR WORK] at the property identified above, to be paid in whole or part from the proceeds of the Owner's property-and-casualty insurance claim identified below. The parties agree to the scope, price, and schedule written here.

1. Claim and work

Insurance carrier and claim number: [CARRIER; NUMBER]

Loss date and described damage: [DATE; DESCRIPTION]

Detailed repair scope: [MATERIALS, LOCATIONS, MEASUREMENTS, WORK METHODS]

Materials and specifications: [PRODUCT, GRADE, COLOR, WARRANTY]

Excluded work: [ITEMS OR NONE]

Plans or scope attachments: [DATED DOCUMENTS OR NONE]

The Contractor shall furnish the stated labor and materials and complete the work in a workmanlike manner. No insurance adjuster, carrier, or claim estimate changes this contract unless the Owner and Contractor sign a written change order.

2. Price, payments, and changes

Total agreed price: $[________]

Owner-paid amount, including any deductible: $[________]

Insurance-funded amount anticipated: $[________]

Payment is due for work performed under this contract according to the schedule above. The parties must sign a written change order stating the added or removed work, price effect, and schedule effect before changed work begins. An insurer's denial or partial denial is handled under the cancellation notice below and does not itself amend the agreed price.

3. Schedule, access, and completion

Estimated start: [__/__/____] Estimated completion: [__/__/____]

The Contractor shall not commence work until the Insured Owner's right to cancel under Ark. Code Ann. § 4-88-904(b) has expired. Any emergency service is outside this work schedule and must be separately documented.

Permit responsibility and cost: [PARTY; DETAILS]

Site access and work hours: [DETAILS]

Waste removal and final inspection: [DETAILS]

Express workmanship warranty, if any: [SCOPE, PERIOD, CLAIM CONTACT, OR NONE]

4. Statutory cancellation statement

The Contractor must give the following boldface statement to the Insured Owner before signing. It must appear in at least ten-point type in the signed copy:

You may cancel this residential real estate repair contract at any time within three (3) business days after you have received written notification from your insurer that all or any part of the claim or residential real estate repair contract is not a covered loss under the insurance policy. See attached notice of cancellation form for an explanation of this right.

The Contractor must also give the Insured Owner two completed, easily detachable copies of the notice below with this contract before signing. The Contractor must enter the transaction date, its legal name, and its business address on both copies.

NOTICE OF CANCELLATION — COPY 1

Date of transaction: [__/__/____]

If you are notified by your insurer that all or any part of the claim or residential real estate repair contract is not a covered loss under the insurance policy, you may cancel the residential real estate repair contract by mailing or delivering a signed and dated copy of this cancellation notice or another written notice to [CONTRACTOR LEGAL NAME] at [CONTRACTOR BUSINESS ADDRESS] at any time within three (3) business days after you have received such notice from your insurer. If you cancel, any payments made under the residential real estate repair contract except for certain emergency work already performed by the residential contractor will be returned to you within ten (10) business days following receipt by the residential contractor of your cancellation notice.

I CANCEL THIS TRANSACTION

Date: [__/__/____]

Insured Owner signature: ______________________________

NOTICE OF CANCELLATION — COPY 2

Date of transaction: [__/__/____]

If you are notified by your insurer that all or any part of the claim or residential real estate repair contract is not a covered loss under the insurance policy, you may cancel the residential real estate repair contract by mailing or delivering a signed and dated copy of this cancellation notice or another written notice to [CONTRACTOR LEGAL NAME] at [CONTRACTOR BUSINESS ADDRESS] at any time within three (3) business days after you have received such notice from your insurer. If you cancel, any payments made under the residential real estate repair contract except for certain emergency work already performed by the residential contractor will be returned to you within ten (10) business days following receipt by the residential contractor of your cancellation notice.

I CANCEL THIS TRANSACTION

Date: [__/__/____]

Insured Owner signature: ______________________________

5. Construction-defect claim process notice

For work on a preexisting single-family residence or its appurtenant property, Contractor gives the Owner this written notice before work begins. If an owner, tenant, or lessee finds a construction defect within one year after completion and plans a civil action or arbitration against a covered contractor, the claimant must give a written description of the defect and its known results at least 28 days before the action and allow an opportunity to repair or remedy it. Contractor must answer in writing within 14 days after delivery by proposing an inspection within a stated time, offering a remedy without inspection, or disputing the claim. After inspection, Contractor may offer a remedy or dispute the claim. The claimant may proceed without further notice if Contractor disputes, does not answer in time, fails to fulfill an accepted offer, or the claimant rejects an offer. Acceptance must be served within 30 days after the offer, with reasonable access to perform the work. Fulfillment of an accepted offer bars an action on the claim described in the notice. The Act excepts specified Attorney General consumer-enforcement actions.

Defect-process notice delivered to Owner on: [__/__/____] Method: [METHOD]

Owner receipt: [________________________________] Date: [__/__/____]

6. Important notice to owner

For this one-to-four-unit residential property, Contractor must give the following statutory notice to Owner, an authorized agent, or a registered agent before work begins, by personal delivery or certified mail. Print it conspicuously in bold, capital letters. The recipient's signature on the form is optional if delivered by certified mail.

IMPORTANT NOTICE TO OWNER

I UNDERSTAND THAT EACH CONTRACTOR, SUBCONTRACTOR, LABORER, SUPPLIER, ARCHITECT, ENGINEER, SURVEYOR, APPRAISER, LANDSCAPER, ABSTRACTOR, OR TITLE INSURANCE AGENT SUPPLYING LABOR, SERVICES, MATERIAL, OR FIXTURES IS ENTITLED TO A LIEN AGAINST THE PROPERTY IF NOT PAID IN FULL FOR THE LABOR, SERVICES, MATERIALS, OR FIXTURES USED TO IMPROVE, CONSTRUCT, OR INSURE OR EXAMINE TITLE TO THE PROPERTY EVEN THOUGH THE FULL CONTRACT PRICE MAY HAVE BEEN PAID TO THE CONTRACTOR. I REALIZE THAT THIS LIEN CAN BE ENFORCED BY THE SALE OF THE PROPERTY IF NECESSARY. I AM ALSO AWARE THAT PAYMENT MAY BE WITHHELD TO THE CONTRACTOR IN THE AMOUNT OF THE COST OF ANY SERVICES, FIXTURES, MATERIALS, OR LABOR NOT PAID FOR. I KNOW THAT IT IS ADVISABLE TO, AND I MAY, REQUIRE THE CONTRACTOR TO FURNISH TO ME A TRUE AND CORRECT FULL LIST OF ALL SUPPLIERS AND SERVICE PROVIDERS UNDER THE CONTRACT, AND I MAY CHECK WITH THEM TO DETERMINE IF ALL MATERIALS, LABOR, FIXTURES, AND SERVICES FURNISHED FOR THE PROPERTY HAVE BEEN PAID FOR. I MAY ALSO REQUIRE THE CONTRACTOR TO PRESENT LIEN WAIVERS BY ALL SUPPLIERS AND SERVICE PROVIDERS, STATING THAT THEY HAVE BEEN PAID IN FULL FOR SUPPLIES AND SERVICES PROVIDED UNDER THE CONTRACT, BEFORE I PAY THE CONTRACTOR IN FULL. IF A SUPPLIER OR OTHER SERVICE PROVIDER HAS NOT BEEN PAID, I MAY PAY THE SUPPLIER OR OTHER SERVICE PROVIDER AND CONTRACTOR WITH A CHECK MADE PAYABLE TO THEM JOINTLY.

SIGNED:______________________________ ADDRESS OF PROPERTY: _______________ DATE:_____________

I HEREBY CERTIFY THAT THE SIGNATURE ABOVE IS THAT OF THE OWNER, REGISTERED AGENT OF THE OWNER, OR AUTHORIZED AGENT OF THE OWNER OF THE PROPERTY AT THE ADDRESS SET OUT ABOVE.

__________________ CONTRACTOR

Actual delivery: ☐ Personally delivered on [__/__/____] to [RECIPIENT]. ☐ Certified mail sent on [__/__/____] to [RECIPIENT AND ADDRESS]; tracking number [NUMBER].

7. Signatures

The parties have read the scope, price, and payment terms. The Contractor confirms delivery of the statutory cancellation statement and two completed detachable notice copies before signature.

Insured Owner signature: ______________________________ Date: [__/__/____]

Contractor authorized signature: ______________________________ Date: [__/__/____]

Printed name and title: [________________________]

Signed copy and both cancellation notices delivered to Insured Owner on: [__/__/____]

Official source

• Arkansas Act 1360 of 2013, §§ 4-88-901 to -905
• Arkansas Act 558 of 2025, §§ 4-75-1501 to -1502
• Arkansas Department of Labor owner lien notice