You did everything right. You filed your roof insurance claim after a storm. You waited for the adjuster to come out. They walked your roof, took a few pictures, and said they’d be in touch. Now you’ve got your estimate—and your jaw dropped.
The payout isn’t enough. They missed obvious damage. Or worse, they said your roof “wasn’t damaged enough to justify replacement.”
If that sounds familiar, you’re not alone.
At Tier-One Roofing, we hear this every day from Oklahoma homeowners in Tulsa, Broken Arrow, Owasso, Jenks, and beyond. The truth is: insurance adjusters make mistakes—and they don’t always work in your best interest. But here’s the good news: you have rights, and you have options.
This guide is your roadmap to getting your roof claim re-evaluated, supplemented, or reapproved. We’ll show you how to push back, how to do it the right way, and how Tier-One Roofing can go to bat for you every step of the way.
Why Insurance Adjusters Get It Wrong
Let’s call it what it is: insurance adjusters work for the insurance company—not for you. Their job is to minimize payouts wherever possible, often while managing a huge caseload in a short amount of time.
Here’s how things go wrong:
They’re rushed and don’t spot all damage
They’re inexperienced with roofing systems
They classify storm damage as “wear and tear”
They don’t check local building code requirements
They use outdated pricing software
And sometimes? They just plain miss it. We’ve seen full roof replacements denied for “minimal damage” when shingles were missing, bruised, creased, or compromised beyond repair.
You do NOT have to accept a bad outcome.
Step 1: Get a Second Opinion From a Roofing Expert
Before you respond to your insurance company, the first step is to get another professional opinion. Not from another adjuster—from a roofing contractor who knows how to evaluate storm damage and understands the insurance game.
At Tier-One Roofing, we offer:
Comprehensive roof inspections
Photographic and video documentation
Detailed reports showing what the adjuster missed
Honest recommendations (we’ll tell you if they got it right, too)
We don’t play the blame game. We just give you the truth. And if your roof was under-assessed, we’ll help you fight back.
Call (918) 393-4682 today to schedule your inspection. It’s free, and it could be the difference between a denied claim and a full roof replacement.
Step 2: Request a Reinspection
Your insurance company might not advertise it, but almost every policy allows you to request a reinspection.
This is a second visit from either the same adjuster or a new one to re-evaluate the claim. You don’t have to file a new claim. Just call your carrier and say:
“I’d like to request a reinspection of my roof with my contractor present.”
Then call us. We’ll show up, walk the roof with the adjuster, and make sure they see:
Creased or lifted shingles
Granule loss from hail impacts
Flashing damage
Decking separation
Signs of moisture intrusion
Any code-required updates
We’ve had dozens of claims reapproved simply because we were there to point out what was missed.
You have one shot to get this right. Don’t go into a reinspection alone.
Step 3: Provide Supplemental Documentation
Sometimes the adjuster didn’t miss the damage—they just lowballed the cost to repair it. That’s where supplements come in.
A supplement is a request to increase the claim payout based on:
Updated material pricing
Labor shortages or market fluctuations
Code upgrades (like drip edge or ice & water shield)
Missing line items (vents, flashing, underlayment)
Tier-One Roofing will create and submit a line-by-line supplement using the industry-standard estimating software (Xactimate) so that your insurer has what they need to reconsider.
We’ve successfully secured thousands in additional funds for homeowners this way.
You don’t need to learn the language of insurance. We already speak it fluently.
Step 4: File an Internal Appeal or Hire a Public Adjuster
If your reinspection still leads to a denial or underpayment, you have the right to file an internal appeal.
This means requesting a higher-level review within the insurance company. Many carriers have a process for this—and you’ll want every piece of documentation ready:
Tier-One Roofing's inspection report
Photographs with timestamps
Your original estimate and denied items
Supplement requests, if any
Still getting stonewalled?
You can hire a public adjuster. These are licensed professionals who represent YOU, not the insurer. They’ll take a cut of the settlement (usually 10%) but may be worth it for large or complex claims.
That said, most of our clients don’t get to this point. We usually get results long before lawyers or public adjusters get involved. But it’s important to know it’s an option.
Step 5: Be Mindful of the Clock
Time is not on your side when it comes to re-evaluating a claim.
Oklahoma insurance policies typically have:
A 12-month window to file or re-open a claim
A 180-day deadline to submit final documentation for depreciation reimbursement (if you have RCV)
Delaying can cost you everything.
If you suspect your adjuster got it wrong, act now. We can usually inspect, document, and get a reinspection scheduled within 48-72 hours.
Call Tier-One Roofing at (918) 393-4682 and let us help you hit every deadline with confidence.
The Truth About Insurance-Preferred Contractors
Sometimes your insurance company will suggest or “assign” a roofing company to do the work. These are often part of a “managed repair network.”
Here’s what they don’t tell you:
Those contractors work from the insurer’s estimate, not what’s actually needed
They may cut corners to keep costs low
You may lose control of materials or workmanship
You always have the legal right to choose your own contractor. Don’t settle for who your insurer wants. Choose the one who works for you.
Tier-One Roofing is independent, local, and veteran-owned. We work for the homeowner—not the insurance company. Our only goal is to make sure your home is fully restored.
What You Might Be Missing (Real Damage Adjusters Overlook All the Time)
Even seasoned adjusters miss things. We see it all the time. Commonly overlooked items include:
Soft spots in the decking beneath the shingles
Cracks in roof vents and pipe jacks
Detached or rusted flashing
Broken seals around skylights
Damage to attic insulation or ventilation
Gutter and fascia impacts
The roof is more than just shingles. We inspect your entire roofing system so nothing slips through the cracks (literally).
We’re not here to inflate costs. We’re here to ensure the work is done right, and that it lasts.
Call (918) 393-4682 to schedule your comprehensive inspection. You’ll get more than a second opinion. You’ll get an advocate.
FAQs: Fighting a Bad Roof Claim Decision
Q: What if I already started repairs?
A: You can still reopen the claim and submit documentation. We’ll help you retroactively get what you’re owed.
Q: I signed the insurer’s estimate. Is it too late?
A: Not necessarily. Many homeowners think signing means the end—but supplemental claims are common and often accepted.
Q: Will my premiums go up if I push back?
A: No. Your premiums are based on regional risk, not whether or not you contest your payout.
Q: What if they say it’s “wear and tear”?
A: We’ll provide evidence (like hail hits, wind creases, and lift patterns) that proves otherwise.
Q: Do I need to hire a lawyer?
A: Only in extreme cases. Most claims are resolved with documentation and persistence. We almost never need legal help.
Final Word: Your Roof Matters. So Does the Truth.
This isn’t about trying to “game the system.” It’s about getting what you paid for.
You’ve paid your premiums. You’ve upheld your end of the contract. Now it’s time for your insurance company to do the same. And if they won’t, we’ll help hold them accountable.
At Tier-One Roofing, we’ve helped hundreds of Oklahoma homeowners overturn denied or underpaid claims. We do the legwork, we speak the language, and we go the distance.
Because when it comes to protecting your home, half-measures aren’t good enough.
Call Tier-One Roofing today at (918) 393-4682 or schedule your free inspection at tier-oneroofing.com.
We won’t let you face the storm alone.