After a heavy spring hailstorm in Oklahoma, it’s common to see neighbors scanning rooftops, snapping pictures, and wondering: “Should I file an insurance claim for my roof?” If you’ve got lifted shingles, visible impact marks, or a few new leaks, you’re likely asking the same thing.
Filing a roof damage insurance claim might sound simple—but one wrong step can delay your payout, shrink your settlement, or even get your claim denied. We’ve seen it happen more times than we’d like. That’s why we’ve put together this guide on how roof insurance claims work—and what not to do.
Here’s what you’ll learn in this blog:
- When (and how) to file a claim without hurting your coverage
- The most common mistakes homeowners make during roof claims
- How to protect yourself with documentation, inspections, and support
- Why working with a certified local contractor makes a big difference
Not sure if your roof damage qualifies for an insurance claim? Honor Roofing & Construction can help.
Why Roof Insurance Claims Matter in Oklahoma
Every Oklahoma homeowner is familiar with hail and windstorms. In fact, our state ranks near the top nationally for annual roof-related insurance claims. These aren’t minor cosmetic issues—hailstones and debris can rip through shingles, crack flashing, and expose your home to long-term water damage.
How do roof insurance claims work?
Here’s the short version:
- You file a claim with your insurance company
- An adjuster inspects the damage
- You receive an estimate and payout (if covered)
- A licensed roofing contractor makes the repair or replacement
But here’s the thing: roof insurance claims are more complicated than they seem. Documentation, timing, and contractor choice all matter.
And in Oklahoma, insurance claim policies have changed in recent years. If you’re unaware of updates like depreciation clauses or ACV vs. RCV policy shifts, it’s easy to leave money on the table.
What to Have Ready Before Filing a Roof Insurance Claim
Filing a claim starts before you ever call the insurance company. You’ll want to be prepared:
- Roof inspection report: Independent and documented by a certified contractor
- Clear photos or video of damage: Take before and after if possible
- Your insurance policy: Know your deductible, claim window, and coverage type
- Date of the storm or event: Needed to connect the damage to a weather event
- A repair or replacement estimate: Gives you a benchmark against adjuster quotes
You can also check out this step-by-step guide from the Oklahoma Insurance Department to better understand the formal process.
Want to know how pitch affects material choices—like shingles vs. metal—or how it factors into insurance estimates? Visit our Ultimate Oklahoma Homeowner’s Guide to Roof Replacement for material breakdowns, code details, and average replacement costs.
6 Mistakes to Avoid When Filing a Roof Insurance Claim
Mistake #1: Waiting Too Long to File
Time is not your friend. Most Oklahoma insurance policies give you up to 12 months after a storm—but some require claims within 30 to 60 days. Delays can result in partial payouts—or flat-out denials.
Mistake #2: Skipping the Independent Roof Inspection
Adjusters don’t always catch everything—especially on steep-slope roofs or hard-to-see areas. A qualified roofing contractor (like us) can find damage that might otherwise be overlooked and provide a second opinion.
Mistake #3: Accepting the First Insurance Estimate
Insurance estimates are just that—estimates. They can miss required code upgrades, underprice labor, or assume lower-tier materials. Having a licensed contractor prepare a detailed scope ensures nothing is left out.
Mistake #4: Filing Without Visual Documentation
Photos matter. Without visible proof of hail strikes, lifted shingles, or flashing damage, insurers may claim the wear is old or cosmetic. Take photos right after the storm, and don’t forget the attic or interior ceilings.
Mistake #5: Hiring a Non-Certified or Out-of-State Roofer
Storm-chasers pop up in Oklahoma after every hailstorm. Don’t get caught in the trap. Local, licensed pros like Honor Roofing & Construction not only know building codes—we also back our work with manufacturer warranties from CertainTeed, IKO, and TAMKO.
Mistake #6: Not Knowing What Your Policy Covers
There’s a big difference between Actual Cash Value (ACV) and Replacement Cost Value (RCV). ACV policies deduct depreciation, meaning you’ll pay more out of pocket. RCV policies pay full replacement, but only if you follow every claim step precisely.
A Deeper Look: Risk Factors and Contractor Value
Why Material Type and Installation Matters
If you’re replacing a roof due to insurance, your choice of material matters—not just for durability, but for long-term value. Some policies may not cover upgrades unless required by code. We help homeowners evaluate options like:
- Architectural shingles (most insurance carriers approve)
- Impact-resistant shingles (can lower your premiums)
- Metal roofing (longer lifespan but higher upfront cost)
We also install according to manufacturer specifications, so your material warranties remain intact.
The Risk of Missed Damage
Some of the worst roof failures we’ve repaired started with insurance claims that missed early warning signs. Leaks didn’t show up until months later—and by then, it was too late to file. Our inspections prevent that.
How We Help
At Honor Roofing & Construction, we:
- Document every detail, inside and out
- Provide itemized, insurer-friendly estimates
- Help homeowners navigate adjuster meetings
- Handle code upgrades and manufacturer warranties
- Replace your roof with high-quality materials—not shortcuts
Common Questions About Roof Insurance Claims in Oklahoma
Should I file an insurance claim for my roof?
Yes, you should file an insurance claim for your roof if it has storm-related damage and your deductible makes the process worthwhile. It’s important to act quickly—delaying can reduce your chances of approval or lead to further damage.
How do roof insurance claims work?
Roof insurance claims work by first documenting the damage, then submitting your claim to your insurance provider. After an adjuster inspects your roof, you’ll receive an estimate. If approved, your insurance will pay based on the policy terms, and you’ll coordinate repairs with a trusted contractor.
What if my adjuster underestimates the damage?
If your adjuster’s estimate seems too low, you can request a re-inspection or present an estimate from a licensed contractor. At Honor Roofing & Construction, we often assist clients in providing detailed reports to support fair claim adjustments.
Will filing a claim raise my premiums?
Filing a roof insurance claim typically won’t raise your premium in Oklahoma if the damage is from a covered event like hail or wind—often referred to as an “Act of God.” However, multiple claims over time could impact your future coverage or renewal options.
What happens if my roof is older?
If your roof is nearing or past its expected lifespan, insurance may reduce the payout or deny coverage based on pre-existing wear. A professional inspection helps distinguish between old age and storm-related damage, which is critical for claim approval.
Can I pick any roofer after a claim is approved?
Yes, you can choose any roofer after your claim is approved, but it’s best to select a licensed, insured, and manufacturer-certified contractor. This ensures the work meets local codes, holds up under warranty, and is properly documented for your insurance.
Your Next Step: Partnering with a Trusted Local Insurance-Pro Roofing Expert
Filing a roof insurance claim doesn’t have to be stressful—but it does require careful planning, the right documentation, and a contractor who knows the ropes. Avoiding these common mistakes could save you thousands—and ensure your roof gets the attention it deserves.
At Honor Roofing & Construction, we’ve guided hundreds of Oklahoma homeowners through the insurance process. We’re local, licensed, and committed to doing the job right the first time. You bring the policy—we’ll bring the paperwork, photos, and honest answers.
Ready to get started? Schedule your free inspection today.
We’ll walk your roof, explain the damage, and help you take the next step with confidence.