Get Every Dollar Your Policy Owes You — Without the Stress.

Don't navigate the insurance maze alone. We provide emergency tarping, drone-certified inspections, and expert Xactimate supplementation to help OKC homeowners recover 25–30% more on their claims.

4.9 Rating

A+ Rating

4.8 Rating

4.9 Rating

"Our claim was initially denied. OKC Roofers filed a supplement, met the adjuster for re-inspection with drone footage, and got our full roof replacement approved. We paid nothing out of pocket — they saved us over $14,000." — Robert & Kim W., Norman, OK ★★★★★

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Don't wait until it's too late. Get a professional assessment today.

📊 Oklahoma City Storm Season 2025 — Act Now Before Deadlines Pass

112

Hail Reports in Oklahoma City (2024)

187

Severe Weather Warnings

4.5"

Largest Hailstones Recorded

$500M+

Estimated Storm Damage (2024)

Source: NOAA Storm Events Database & Oklahoma Insurance Department, 2025 Season

Why You Need a Claim Advocate

Why You Need a Claim Advocate in Your Corner

The "DIY" Claim

The OKC Roofers Advocate Claim

Your 4-Step "Stress-Free" Claim Plan

We Deal With The Insurance Mess, You Stay in Control.

The Forensic 18-Point Inspection

(We don’t just “look” at the roof)

We climb up, check the attic, and document hail bruises and wind-lifted shingles. You get a full digital report to hand to your agent — complete with 4K drone photos and thermal imaging that captures damage invisible to the naked eye.

Guided Claim Filing

(So your claim isn’t flagged or delayed)

Not sure what to say? We walk you through exactly what to include so your claim isn’t flagged or delayed by the carrier. We prepare your Xactimate estimate before the adjuster arrives — giving you professional-grade documentation from day one.

The Adjuster Meeting (The Critical Step)

(Never meet an adjuster alone)

Our experts meet them on-site with full documentation to point out “hidden” damage they often overlook. We speak their language so you don’t have to. Over 70% of initial adjuster estimates come in low — we make sure yours doesn’t stay that way.

Supplementing & Quality Restoration

(Getting the remaining funds you’re owed)

If the initial check is too low, we submit “Supplements” — additional documentation proving the full scope of damage — to get the remaining funds. Then, our crews install your new, high-impact roof using materials rated for Oklahoma weather with a 25-year workmanship guarantee.

No obligation • 100% Free

We also serve Oklahoma City businesses — commercial storm damage, multi-family, and industrial roofing. Learn more →

The Xactimate Advantage

Don't Leave Money on the Table

Most initial insurance estimates are based on "Standard Templates" that miss critical Oklahoma building codes. We bridge the gap to ensure your home is 100% protected — at no extra cost to you.

Initial Estimate

$8,979

With OKC Roofers

$12,300

Recovered

+$3,321

Initial Insurance Estimate

With OKC Roofers Advocacy

The "Why" (The Guide's Insight)

The Result: We recovered an additional $3,321 for this homeowner, ensuring the roof was built to code without them paying a penny over their deductible.

How We Saved a Coffee Creek Family $2,900 in "Hidden" Costs

Last spring, a family in Coffee Creek received an initial adjuster estimate of $9,100. The adjuster missed the required starter strips and the specific step-flashing needed for their stone chimney. We stepped in, provided a detailed Xactimate report with 4K drone photos, and got the claim supplemented to $12,000. They got a premium, code-compliant roof replacement, and their only out-of-pocket cost was their standard deductible.

Know Your Policy

The Oklahoma Homeowner's Glossary of Insurance Terms

To navigate a claim successfully, you must speak the same language as your adjuster.

ACV (Actual Cash Value)

This is the value of your roof at its current age, minus depreciation. If your 20-year roof is destroyed halfway through its lifespan, ACV only pays for the "remaining" value. ACV policies are the most common reason homeowners are shocked by low payouts.

RCV (Replacement Cost Value)

This is the gold standard for policies. RCV covers the actual cost to replace your roof at today's market prices, regardless of how old the shingles were. If you have an RCV policy, your insurance company is required to pay the full replacement cost once the work is completed.

Recoverable Depreciation

This is the "held back" portion of your claim. Your insurance company initially pays ACV, then holds back the depreciation amount until the work is done. Once OKC Roofers completes the job and submits the final invoice, the insurance company releases these funds to you.

Deductible

The amount you are responsible for paying out-of-pocket before insurance coverage kicks in. Oklahoma deductibles typically range from $1,000 to $5,000. We offer flexible financing through 14 bank partners to help manage high deductibles.

Xactimate

The industry-leading estimating software used by over 90% of insurance carriers to calculate repair costs. We use the exact same software to ensure our estimates match their system while catching "missed" items that adjusters routinely overlook.

Supplement

A formal request for additional funds submitted after the initial adjustment. If our forensic 18-point inspection finds damage or code requirements the adjuster missed — which happens on over 60% of claims — we file a supplement to ensure the project is fully funded.

The 1-Year Rule

In Oklahoma, your window to file a claim for storm damage is typically 12 months from the date of the weather event. If you miss this deadline, your carrier is legally allowed to deny coverage entirely — regardless of how obvious the damage is.

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Hyper-Local Expertise

Serving Every Corner of the Oklahoma City Metro

OKC Neighborhoods

Greater OKC Metro

Who We Are

Why "Native-American & Family-Owned" Matters in 2026

In an industry filled with "storm chasers," OKC Roofers stands apart as a licensed, BBB A+ rated, Native-American family-owned business.

Longevity

We don't just show up after a storm; we live and work here. If you have a question about your warranty two years from now, we will still be here to answer the phone.

Local Licensing

We are a fully licensed Oklahoma roofing contractor (#80005389). This is critical for insurance claims, as carriers often require proof of license before releasing final payments.

Tesla Certified

For modern OKC homes, we are a Tesla Certified Installer, meaning we can navigate the complex insurance claims associated with solar roofing and high-tech materials.

Flexible Financing

Financing Your Deductible — Don't Let Cost Stop Your Claim

We understand that an unexpected $2,500 or $5,000 deductible can be a burden. That is why we partner with 14 different financing companies to offer options for virtually every credit profile.

Oklahoma City Roof Insurance FAQ

Common questions about filing roof insurance claims, denied claims, supplements, and working with adjusters in Oklahoma City.

Will filing a storm claim raise my rates?

In Oklahoma, insurance companies generally cannot raise your individual rates for a "Force of Nature" claim. Rates usually go up by ZIP code after a storm regardless of whether you file. Filing a legitimate storm damage claim is your right as a policyholder — and waiting only risks missing your 1-year deadline while your roof continues to deteriorate.

What if my claim was already denied?

Don't panic. We specialize in Denied Claim Re-inspections. We've successfully overturned many denials by providing better photo documentation, 4K drone evidence, and detailed Xactimate supplementation that proves storm-specific impact damage. A denial is not the final answer — it's the starting point for our advocacy process.

My adjuster said I don't need a roofer there. Is that true?

The adjuster works for the insurance company; we work for you. Having a professional advocate present ensures the assessment is fair and thorough. Adjusters routinely spend 15–20 minutes on a roof — our 18-point inspection takes over an hour and catches damage that quick assessments miss. Your adjuster has a financial incentive to minimize your payout. We have every incentive to maximize it.

How long do I have to file a roof insurance claim in Oklahoma?

You have 1 year from the date of the damage event to file a claim in Oklahoma. Missing this deadline means your insurance company can legally deny the claim — regardless of how obvious or well-documented the damage is. We recommend scheduling a free inspection within 48 hours of any significant weather event to protect your filing window.

What is Xactimate and why does it matter for my claim?

Xactimate is the estimating software used by virtually every insurance company in America to price claims. When your roofer submits an estimate built in Xactimate using the same pricing database and line-item codes, it matches the adjuster's system — making it much harder to deny or underpay your claim. Most roofers don't use Xactimate. OKC Roofers is fully Xactimate-certified.

What is an insurance supplement and how does it help?

A supplement is additional documentation filed after the initial adjustment to recover money the first estimate missed. This includes hidden damage discovered during tear-off, code upgrade requirements, and line items the adjuster overlooked. We file supplements on over 60% of claims — and the average supplement recovers an additional $2,000 to $5,000.

Do I have to pay anything out of pocket?

On qualifying storm damage claims, most Oklahoma City homeowners pay only their deductible — and in many cases, the insurance payout covers the full cost of replacement through proper line-item documentation. We never recommend illegal deductible waivers, but our thorough Xactimate documentation ensures you receive every dollar your policy entitles you to.

Which insurance companies do you work with?

We work with every major carrier in Oklahoma: State Farm, Farmers, Allstate, USAA, Liberty Mutual, American Family, Shelter, Oklahoma Farm Bureau, Globe Life, and many more. We know each carrier's claims process, documentation requirements, and adjustment tendencies — which allows us to prepare claims that get approved faster and for maximum payout.

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Your Peace of Mind Starts Here

Don't wait until the next Oklahoma storm turns a small bruise into a major leak. Our 18-point inspection is 100% free with no obligation. We provide the proof you need to hold your insurance company accountable.

Explore Our Roofing Blog

Expert insights, tips, and local roofing advice from Oklahoma City's trusted roofing professionals.

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Service Areas

Serving the Edmond Metro Area

OKC Roofers proudly serves Edmond and surrounding communities. Click on your city to learn more about our local roofing services.

Additional Service Areas

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Don't wait for the next storm to cause more damage. Take the first step toward a secure home with a free, no-obligation roof inspection.

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