Roof Insurance Claim Help in Tulsa, OK

What we do and what we do not do

We are roofers. We inspect, document, quote and install. We are happy to sit at your kitchen table and explain what a scope sheet means, and we will stand on the roof with your adjuster and point at the marks we found. What we will never do is tell you a claim is going to be approved, negotiate on your behalf as though we were your representative, or ask you to sign anything that hands us your claim benefits. Adjusting a claim for a policyholder is licensed work in Oklahoma and it is a different job from ours.

How an Oklahoma roof claim runs

You call your carrier and give them the date of the storm and a short description of the damage. They open a claim and give you a number. An adjuster is assigned, either a staff adjuster or an independent one contracted for the storm, and they call to book an inspection. After a big hail event in Tulsa that wait can stretch, because the whole metro files at once. The adjuster inspects, writes a scope with line items and prices, and the carrier issues a decision and a first payment. If the roof is replaced, most replacement cost policies hold back the depreciation until the work is finished and invoiced.

The adjuster meeting

This is the appointment that matters most, and it is worth having somebody there who looks at roofs for a living. We arrive before the adjuster with a ladder, our photo file and the chalk squares still marked on each slope. We walk the roof with them, show what we found, and raise anything they have not reached yet: the back slope, the detached garage, the gutter faces, the window screens, the AC fins. Adjusters are professionals and most of them are thorough. The point of us being there is simply that two sets of eyes on a roof miss less than one.

Photo documentation that holds up

Every photo is dated. Every slope is shot wide and then close. Test squares are photographed with the chalk lines visible so the strike count can be recounted from the picture. Soft metals get their own set. If you have a detached shop, a barn or a fence, those go in the file too, because they carry the same storm and they are often the clearest proof of what fell. Keep your own copies. If you photographed hail on the ground during the storm, send us those as well.

Things worth checking on your own policy

Look at your declarations page before the adjuster arrives. Find your deductible, and note whether it is a flat dollar amount or a percentage of the dwelling coverage, because percentage deductibles on a large home in South Tulsa can be much bigger than people expect. Check whether the roof is covered at replacement cost or actual cash value. Look for a cosmetic damage exclusion or a separate wind and hail deductible, both of which have become more common on Oklahoma policies.

After a denial

A denial is not always the end of it. Carriers will re open a claim when there is new information, and sometimes the first inspection simply did not cover every slope. We can re inspect, document what we see and give you a written second opinion to send in. Whether the carrier changes its position remains entirely up to them. You can also contact the Oklahoma Insurance Department, which handles consumer complaints about carriers.