Insurance Claim Assistance
Storm damage claims are where roofing gets stressful and where homeowners get taken advantage of. Here is exactly what we do, what we cannot do, and why.
Helping people through insurance claims is the part of this job we are best at. It is also the part with the most rules attached — so before anything else, here is the honest boundary.
We are roofing contractors, not public adjusters or insurance attorneys. Coverage decisions are made by your insurer under your policy.
In Oklahoma, a contractor who represents your interests in a claim for compensation is acting as a public adjuster. That requires a licence we do not hold, and a signed authorisation does not change it. So we stay in our lane — and our lane is genuinely useful.
What we can do
- Inspect the roof for free and tell you whether there is real, claimable storm damage.
- Document it properly — a detailed photo report of every impact, crease and failure we find.
- Give you a written estimate for the work we would perform.
- Meet your adjuster on site, at your request, and walk them through what we documented.
- Explain the process so you know what is coming next.
- Do the work once you and your insurer have settled the scope.
What we will not do
- File, negotiate, or argue your claim. That is public adjusting and it is not ours to do.
- Promise you an approval, a settlement figure, or a “free roof”.
- Touch your deductible in any way — that is unlawful here, and the offer itself is the violation.
- Take an assignment of your benefits. Oklahoma voids those.
- Pay you for a yard sign, a referral, or a review on an insurance job. Also unlawful.
Why the roofer who offers all of that is a warning sign
After a hailstorm, Ottawa County fills up with contractors who are not from here. Some of them will offer to cover your deductible, guarantee approval, or handle the whole claim while you sit back. Every one of those offers is either unlawful in Oklahoma or impossible to keep.
The awkward part is that those offers sound better than ours. That is the point of them. We are a family business with one address on Main Street, and we will still be here when the warranty question comes up in six years — which is a different promise, and a smaller-sounding one.
How to check any roofer, including us
Oklahoma requires roofing contractors to be registered, and the Construction Industries Board publishes a public search so you can verify anyone who knocks on your door. It takes about thirty seconds at verifyroofing.cib.ok.gov. Registration also requires the contractor to carry liability insurance — at least $500,000 for residential work. If someone cannot give you a registration number, that is your answer.
Storm Damage Documentation and Insurance Claim Assistance
Insurance is where most roofing jobs get stressful. Our part is making sure the damage is documented properly and explained plainly — so you can make a decision with the facts in front of you.
Property safety and temporary protection
If water is getting in, that comes first. Emergency tarping buys time so the damage stops spreading while everything else gets sorted out.
Full roof and exterior inspection
We check the roof, the flashing details, the vents, the gutters and the soft metals. Hail bruises soft metal before it shows on shingles, so the gutters often tell the story first.
Photo documentation and written findings
You get a detailed photo report of what we found and a written estimate for the work we would perform. That is the record your claim rests on.
Adjuster coordination when you ask
If you would like us there when your adjuster visits, we will be there to walk the roof and point to what we documented.
Approved scope, work, and cleanup
Once you and your insurer settle the scope, we schedule the work, protect the property, and finish with a walkthrough.
We are roofing contractors, not public adjusters or insurance attorneys. Coverage decisions are made by your insurer under your policy.
Learn About Insurance Claim AssistanceThe questions people actually ask
Can you handle my insurance claim for me?
No, and neither can any other roofing contractor in Oklahoma. Representing a homeowner’s interests in a claim for compensation is public adjusting, and it requires a licence we do not hold. What we can do is document the damage, give you a written estimate for our own work, and be there when your adjuster comes out.
Will you help me pay my deductible?
No. Oklahoma law makes it unlawful for a roofing contractor to advertise or promise to pay any part of your deductible, directly or indirectly — and it is unlawful whether it is called a discount, a rebate, an upgrade, or "we’ll work with you". Anyone offering that is telling you something about how they do business.
Should I file a claim before I get an inspection?
Usually it is worth knowing what you are dealing with first. A free inspection tells you whether there is real damage and roughly what it would cost to fix. If the damage is minor and close to your deductible, filing may not be in your interest. That is your call to make with the facts in front of you.
Can you meet my adjuster at the property?
Yes, if you ask us to. We will walk the roof with them and point to what we documented. We are not there to argue on your behalf — we are there so the damage we found is actually seen.
What if my claim is denied?
A denial is between you and your insurer, and you have options with them that we are not part of. We can still show you the repair or replacement options and what they cost. Plenty of roofs get replaced without a claim.
Do you do "free roofs" through insurance?
There is no such thing. Your policy pays what your policy pays, you pay your deductible, and any contractor telling you otherwise is either misunderstanding the law or ignoring it.
Storm damage? Start with the documentation.
Tell us what you're seeing. We'll arrange an inspection, explain the findings, and provide clear next steps without pressure.
- • A real look at the roof, not a sales visit
- • Photos of whatever we find, and what it means
- • A written quote if you want one — and an honest “you don’t need us yet” if that’s the answer