Storm damage to your roof often means your homeowner’s insurance will cover repairs or replacement. But navigating insurance claims can feel overwhelming. This guide walks you through the process step-by-step.
In Oklahoma, standard homeowner’s policies cover roof damage from:
Not covered: Neglect, wear-and-tear, or damage from lack of maintenance. An old roof may see reduced payout based on actual cash value.
Before anything else, document everything:
Do NOT: Climb on the roof yourself. Don’t make repairs before the adjuster sees the damage.
Call your agent or claims line ASAP. Provide:
Ask about: deductible, coverage limits, and whether they require bids from contractors.
The insurance company will send an adjuster to inspect. Be present for this inspection. Point out all damage you documented. Consider having Proof Construction there too – we know what to look for and can argue for complete coverage.
Oklahoma law requires insurers to pay fair market rates. Get written estimates from at least 2-3 reputable contractors. Proof Construction provides free written estimates using Xactimate – the same software insurers use.
Your insurer will send a claims statement showing:
Hidden damage often isn’t discovered until work begins. When this happens, your contractor files a supplement with your insurer for additional funds. Proof Construction has extensive experience with supplements – we know the process and fight for complete coverage.
Oklahoma has strong consumer protections in insurance claims:
We handle claims daily. We know Oklahoma insurance law, work with all major carriers, and fight for complete damage documentation. Our supplement success rate is over 95%.
Call (918) 734-4444 for free claim assistance in Tulsa, Broken Arrow, Jenks, Bixby, or surrounding areas.