Let’s be honest. Filing a roof insurance claim isn’t something you ever want to do. If you’re here, a storm has probably left its mark on your home—and now you’re navigating a process no one really prepares you for. Insurance paperwork. Adjuster visits. Confusing terminology. The fear of getting denied. At Tier-One Roofing, we’ve walked hundreds of Oklahoma homeowners through the storm damage claim process. And we can tell you with confidence: you don’t have to go it alone.
This is your guide to getting the roof you deserve—not just the roof your insurance company wants to pay for. We’ll break it down, step-by-step, using plain language, and give you the exact actions that will save you time, stress, and potentially thousands of dollars.
Step 1: Get a Professional Roof Inspection Before You Call Insurance
This is the number one mistake most homeowners make: calling their insurance company before they know what the damage actually is.
Why it matters:
If you file a claim without proof of damage, it could get denied immediately.
If you file a claim and an adjuster inspects your roof without a contractor present, key damage may go undocumented.
Instead, start with a trusted roofing professional. At Tier-One Roofing, we offer free, no-obligation inspections that include:
High-resolution photos and videos
A full breakdown of visible and hidden damage
Honest recommendations (repair vs. replacement)
Documentation tailored for your insurer’s requirements
We don’t play games. We just tell you the truth. If there’s no storm damage, we’ll tell you that, too. But if there is, we help you document it and prepare for what comes next.
Call Tier-One Roofing at (918) 393-4682 to schedule your inspection before you call your insurer. You’ll be glad you did.
Step 2: Review Your Policy
Before jumping on the phone, take a minute to review your homeowners insurance policy. Specifically, look at:
Your deductible: Some Oklahoma policies have separate deductibles for wind/hail damage. These are often percentage-based (e.g., 1% of home value).
RCV vs. ACV: RCV (Replacement Cost Value) policies pay what it costs to fully replace your roof, minus your deductible. ACV (Actual Cash Value) policies subtract depreciation. If you’re unsure which you have, call your agent or ask us to help interpret it.
Exclusions or limitations: Some policies limit coverage if your roof is over a certain age or if you don’t file promptly.
You don’t need to become an insurance expert overnight—but understanding the basics puts you in control.
Tier-One Roofing can walk through your policy with you. We’ll flag anything important before you file so you’re not caught off guard.
Step 3: File the Claim (Here’s How to Do It Right)
Once you’ve confirmed that damage exists and reviewed your policy, it’s time to file the claim. Most companies let you do this by phone, online, or through a mobile app.
Be ready to provide:
The date and time of the storm (we can help you verify this)
A brief description of the damage (e.g., missing shingles, hail impacts, roof leaks)
Your contact information and policy number
Important Tip: Don’t exaggerate. Just state the facts. The inspection report from Tier-One Roofing will back you up with evidence.
After the claim is submitted, your insurer will assign a claims adjuster to your case.
Step 4: Schedule the Adjuster Inspection (With Your Roofer Present)
This is where many claims are won or lost. When the insurance adjuster visits your property, they’re evaluating whether your roof is truly damaged, what caused the damage (hail, wind, wear and tear?), and how much it should cost to fix.
Having a roofing contractor like Tier-One Roofing onsite during the inspection is a game changer because:
We point out things the adjuster may overlook.
We ensure hidden or borderline damage is seen and documented.
We advocate for fair pricing, up-to-date material costs, and required code upgrades.
You have the legal right to have your contractor present. And you should. We don’t let you get steamrolled by rushed or underinformed adjusters.
Let Tier-One Roofing represent you. We do this every day, and we know what adjusters need to see.
Step 5: Review the Estimate and Understand Your Payout
Once the adjuster has completed their inspection, your insurance company will send you a Loss Summary Report or estimate. It may include:
Line items for materials and labor (e.g., shingles, underlayment, flashing)
Depreciation (if you have ACV)
Your deductible subtracted from the payout
Code upgrades (if included in your policy)
This is where things can get tricky.
We regularly see estimates that:
Use outdated pricing
Omit required components
Miss interior damage from roof leaks
Fail to include local code compliance (such as drip edge or ice/water shield)
Don’t sign or agree to anything without a second look. At Tier-One Roofing, we review insurance estimates line by line to ensure nothing is missing or undervalued. We provide supplements when necessary and negotiate directly with your insurance company to make it right.
You deserve to have your home restored fully—not just partially.
Step 6: Get the Work Scheduled (and Done Right the First Time)
Once the scope of work is approved, we schedule your project. We:
Pull necessary permits
Order premium materials that meet code and match your roof type
Coordinate a highly trained crew
Protect your landscaping and property
Complete the work promptly and professionally
The average roof replacement takes 1-2 days once it begins. But the results last decades.
Our team handles everything. You won’t be chasing down crews or wondering where your materials are. We keep you informed at every stage.
And yes, we clean up everything. You won’t be finding nails in your yard for months. That’s a promise.
Step 7: Final Inspection, Warranty, and Payment
After the job is complete, we do a final walkthrough with you. We ensure every detail matches the agreed scope, and that you’re 100% satisfied before we call it done.
You’ll receive:
A warranty on workmanship and materials
Proof of completion (for your insurer, if needed)
Guidance on how to file the depreciation claim (if RCV)
Payment Tip: You are typically responsible only for your deductible. The rest is paid by your insurance company in installments (ACV first, then depreciation once work is completed).
We also offer financing options if needed, because storm damage isn’t something you budget for.
At Tier-One Roofing, we don’t just replace roofs. We restore peace of mind.
Call (918) 393-4682 today to get started or visit tier-oneroofing.com to request your inspection.
Common Mistakes That Cost Homeowners Thousands
Let’s talk about the most common missteps we see—and how you can avoid them.
1. Waiting too long to file a claim. Oklahoma policies often require storm-related claims to be filed within 6-12 months. Waiting can cost you everything.
2. Accepting the first insurance offer without question. You can (and often should) request a second inspection or a supplement.
3. Letting the adjuster inspect alone. We see more missed damage this way than any other step. Don’t let it happen.
4. Hiring a storm chaser. They promise fast work, then disappear when problems arise. Tier-One Roofing is local, licensed, insured, and veteran-owned.
5. Filing a claim when the damage isn’t from a storm. If your roof is just old or poorly maintained, it likely won’t be covered. That’s why we recommend starting with our inspection first.
Frequently Asked Questions
Q: What does my deductible cover? A: Your deductible is your out-of-pocket cost. If your roof replacement is $15,000 and your deductible is $2,000, your insurance pays the rest (minus any depreciation, if ACV).
Q: What if I already filed and was denied? A: You can often request a reinspection or submit a supplement. We’ll review your denial and guide you.
Q: My roof isn’t leaking. Could it still be damaged? A: Absolutely. Hail and wind damage often start silently. Leaks might take months to appear.
Q: Do I have to use the contractor my insurer recommends? A: No. You have the legal right to choose your own contractor. Choose someone who advocates for you—not your insurance company.
Q: Will filing a claim raise my rates? A: Not usually. Storm claims are considered "Acts of God" and affect the entire area. Your premiums are likely adjusted based on regional risk.
The Tier-One Roofing Difference
We know what it feels like to look at a damaged roof and wonder what comes next. The last thing you need is more stress.
At Tier-One Roofing, we:
Treat every home like it’s our own
Offer transparent, pressure-free guidance
Understand Oklahoma weather and insurance policies
Work directly with your insurer to protect your interests
Deliver top-quality craftsmanship and clean, fast service
We’re not storm chasers. We’re your neighbors. We live here. We work here. And we stand behind our name.
If your home has suffered storm damage—or if you’re just not sure—give us a call.
Call (918) 393-4682 or visit tier-oneroofing.com to request your free roof inspection today.
We’ll help you file your claim, fight for what’s fair, and get your roof back to what it should be.