How to File a Roof Insurance Claim in Oklahoma: Step-by-Step

Filing a roof insurance claim doesn't have to be overwhelming. With the right approach and documentation, you can navigate the process smoothly and get your roof repaired quickly. This guide walks you through every step of filing a roof insurance claim in Oklahoma.

Before You File: Documentation

Strong documentation is the foundation of a successful insurance claim. Start gathering evidence immediately after discovering damage:

• Storm documentation – Save news reports, weather alerts, or radar images showing the storm event
• Date and time – Record when the storm occurred and when you discovered damage
• Photos – Take clear photos of all visible damage from multiple angles
• Videos – Walk around your property recording damage to roof, gutters, siding, etc.
• Previous roof records – Gather past inspection reports, maintenance records, or installation documents

Step 1: Contact Your Insurance Company

Call your insurance company's claims department as soon as possible. When you call:

• Have your policy number ready
• Describe the damage and when it occurred
• Ask about your deductible amount
• Request a claim number and adjuster contact information
• Ask about the timeline for inspection and processing

Pro tip: Take notes during the call, including the representative's name and any reference numbers provided.

Step 2: Get a Professional Inspection

Before the insurance adjuster arrives, have a licensed roofing contractor inspect your roof. This step is crucial because:

• Professional roofers can identify damage that adjusters might miss
• They provide detailed documentation and photos
• Their assessment serves as a second opinion on damage extent
• They can explain technical aspects to the adjuster

At IGR Roofing, we provide free storm damage inspections and comprehensive damage reports to support your claim.

Step 3: Meet with the Adjuster

The insurance adjuster's inspection is a critical moment in your claim. Make it count:

• Be present – Always be there when the adjuster inspects
• Bring your contractor – Having your roofer present helps ensure nothing is missed
• Point out all damage – Don't assume the adjuster will find everything
• Ask questions – Understand what they're documenting and why
• Get a copy – Request a copy of the adjuster's report

Step 4: Review the Estimate

After inspection, you'll receive an estimate from your insurance company. Review it carefully:

• Compare line items to your contractor's assessment
• Check that all damaged areas are included
• Verify material specifications match your roof
• Ensure labor costs reflect local market rates
• Look for any missed items or understated quantities

Insurance estimates use industry software (like Xactimate) that should reflect fair market pricing. If the estimate seems low, you have options.

Step 5: Filing Supplements if Needed

If the initial estimate doesn't cover the full cost of repairs, you can file a supplement. Common reasons for supplements include:

• Hidden damage discovered during repairs (deck damage, etc.)
• Missed damage areas
• Code upgrade requirements
• Price increases in materials

Your roofing contractor should handle the supplement process, providing documentation and communicating directly with your insurance company.

Common Mistakes to Avoid

• Waiting too long to file – File within days of the storm, not weeks or months
• Not documenting damage – Photos and records are essential for claims
• Making repairs before inspection – Don't fix anything until the adjuster has seen it
• Accepting the first offer without review – Insurance estimates can be negotiated
• Hiring storm chasers – Work with established local contractors
• Signing a contract before claim approval – Know your coverage before committing

Frequently Asked Questions