If you’ve lived in Oklahoma for any length of time, you know that when storm season rolls around, it’s not just about staying safe indoors — it’s about checking your roof once the skies clear. Between hail, high winds, and tornadoes, there’s no shortage of things that can go wrong up there. And while you might not spot the damage from the driveway, your roof could be holding onto some costly surprises.
At Honor Roofing & Construction, we’ve worked with homeowners all across the Oklahoma City Metro, helping them pick up the pieces after a storm. In this post, we’ll walk you through what counts as storm damage, how to handle a roof insurance claim in Oklahoma, and why tornado roof damage needs a closer look — even if everything “looks fine” from the ground.
Here’s What You’ll Get in This Guide
- How to spot roof damage after a storm or tornado
- What to do before calling your insurance company
- The step-by-step insurance claim process for Oklahoma homeowners
- The right roofing materials for Oklahoma’s crazy weather
- How we help you avoid the biggest pitfalls of storm damage roof repairs in OK
Need a free inspection or help with an insurance claim? Contact us today.
Why Storm and Tornado Roof Damage Is a Big Deal in Oklahoma
Here in the Oklahoma City Metro, we average 60+ tornadoes a year — not to mention intense hail and windstorms that can wreak havoc on your home’s roof. What’s more, not all storm damage is easy to see. Some issues might not show up until weeks later when you’ve got water stains on the ceiling or warped decking under your shingles.
That’s why we always recommend a professional roof inspection after a major storm. A quick visual check from the ground can miss hidden problems that affect your home’s safety, efficiency, and insurance eligibility.
What to Do Before Filing a Roof Insurance Claim in Oklahoma
Before you call your insurance agent, there are a few steps you should take to make sure you’re protected and prepared.
1. Review Your Insurance Coverage
Understand what your policy covers:
- Your deductible (usually $1,000–$2,500)
- Whether your policy is Actual Cash Value (ACV) or Replacement Cost Value (RCV)
- If code upgrades (like decking or ventilation changes) are covered
2. Schedule a Professional Roof Inspection
Call a local contractor like Honor Roofing & Construction for a free storm damage roof inspection. We’ll:
- Inspect the roof, gutters, vents, flashing, and decking
- Document damage with photos and written notes
- Provide an estimate that’s formatted to support your claim
3. Make Sure Permits Are Covered
Oklahoma City and surrounding municipalities often require permits for roof replacement. We pull all necessary permits and ensure everything is up to local code.
4. Plan for Long-Term Protection
If your roof needs replacement, we’ll help you choose materials that withstand Oklahoma’s weather — like Class 4 impact-rated shingles that could also lower your insurance premium.
How to File a Roof Insurance Claim in Oklahoma
Let’s walk through the claim process step by step — so you can feel confident, not overwhelmed.
Step 1: Look for Damage After the Storm
Inspect your yard and ceilings for:
- Loose or missing shingles
- Bent gutters, dented vents, or hail marks
- Water stains on ceilings or attic wood
Even if it doesn’t look bad, storm damage may still be present. That’s why an inspection from a qualified roofer is key.
Step 2: Call a Roofing Contractor Before Filing Your Claim
Your first call should be to Honor Roofing & Construction. We’ll:
- Safely inspect the roof and attic
- Document storm-related damage
- Provide a clear, insurance-friendly estimate
Step 3: File Your Insurance Claim
Contact your provider with:
- Date and details of the storm
- Inspection report and photos
- Contractor estimate (we’ll help prepare it)
Step 4: Be Present for the Adjuster’s Visit
We’ll meet with the insurance adjuster to:
- Walk the roof with them
- Ensure all damage is included in their scope
- Avoid undervalued or incomplete estimates
Step 5: Review the Scope of Loss
Once approved, you’ll receive a breakdown of what’s covered. We’ll walk you through it and submit supplements if needed — so you’re not stuck paying out-of-pocket for missing line items.
Step 6: Get Your Roof Repaired or Replaced
Once your funds are released, we:
- Pull permits
- Order materials
- Complete the roof work (usually in 1–2 days)
Best Roofing Materials for Storm-Prone Oklahoma Homes
When you live in Tornado Alley, your roof needs to be more than just functional — it needs to be resilient.
Here’s a quick look at roofing options that work well in our region:
| Material | Best For | Considerations |
| Architectural Shingles | Wind resistance, affordability | Moderate hail protection |
| Class 4 Impact Shingles | Hail protection, possible insurance discounts | Higher upfront cost |
| Metal Roofing | Longevity, wind and fire resistance | Needs expert installation |
| TPO/PVC Membranes | Commercial flat roofs, waterproofing | Not for steep-sloped residential roofs |
At Honor Roofing & Construction, we’re certified by:
- CertainTeed Select ShingleMaster™
- IKO ShieldPRO Plus+™ Contractor
- TAMKO Pro Certified Contractor
That means our installs are backed by strong manufacturer warranties and expert workmanship every time.
Oklahoma City Storm Damage Roofing FAQs
How can I tell if my roof has storm or tornado damage in Oklahoma City?
You can tell if your roof has storm or tornado damage in Oklahoma City by looking for signs like missing shingles, hail dents on metal vents, or water stains on your ceiling. Still, many types of damage aren’t visible from the ground — so a professional inspection is always the safest choice.
Will homeowners insurance cover roof damage caused by a tornado or hailstorm in Oklahoma?
Yes, homeowners insurance will typically cover roof damage caused by a tornado or hailstorm in Oklahoma, as long as your policy includes wind and hail coverage. It’s important to review your policy or talk to your agent to confirm your coverage and deductible.
Should I call my roofing contractor or insurance company first after a storm?
You should call your roofing contractor first after a storm. A contractor like Honor Roofing & Construction can inspect the damage, document it properly, and help you prepare a solid insurance claim before involving your provider.
How long do I have to file a roof insurance claim after storm damage in Oklahoma?
You have up to one year to file a roof insurance claim after storm damage in Oklahoma, depending on your policy. Acting quickly helps ensure timely repairs and prevents additional issues caused by delays.
Can I choose my own roofer for storm damage repairs, or do I have to use one from the insurance company?
You can choose your own roofer for storm damage repairs in Oklahoma. You are not required to use a contractor provided by your insurance company, and selecting a certified local roofer often leads to better workmanship and communication.
How long does a roof replacement take after a storm?
A roof replacement after a storm typically takes 1 to 2 days once insurance is approved and materials are delivered. Weather and job size can impact the schedule slightly, but most residential roofs are completed within that timeframe.
Do I need a permit to replace my roof in Oklahoma City?
Yes, you do need a permit to replace your roof in Oklahoma City. At Honor Roofing & Construction, we handle the entire permitting process as part of our service — so you don’t have to worry about it.
Can storm damage affect my roof’s warranty?
Yes, storm damage can affect your roof’s warranty if not addressed promptly. Many manufacturer warranties exclude damage from “acts of nature,” but certified contractors can help you understand what’s covered and preserve any eligible warranty protections.
Don’t Wait on Storm Damage Roof Repairs in OK
Storms may be a part of life here in Oklahoma, but struggling with insurance claims and repairs doesn’t have to be. Whether you’re seeing visible tornado roof damage or just want peace of mind after a big storm, Honor Roofing & Construction is here to help every step of the way.
We’re proud to be a local, certified, and dependable roofing company serving the Oklahoma City Metro, with expertise in both storm restoration and insurance claims. Our goal is to protect your home like it’s our own.
Schedule your free inspection today, and let’s take the stress out of storm damage repairs.