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?

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.