Insurance Lowballed Your Roof Claim? Here’s How Tier-One Roofing Helps You Fight Back (Legally)
It’s a frustrating scene that plays out across Oklahoma after almost every major storm.
The insurance adjuster shows up.
He walks the roof for ten minutes.
Maybe he snaps a few photos.
Then a few weeks later, you get a check in the mail.
Except it’s not nearly enough to cover a real repair — let alone a full roof replacement.
Suddenly, you're stuck with a major decision. Do you:
Pay the difference yourself?
Accept a subpar patch job?
Keep fighting for what your policy promised?
At Tier-One Roofing, we believe you deserve better.
We believe when you pay your premiums, you deserve full coverage — not games, delays, or underpayments.
And we know exactly how to help you navigate the system, legally and professionally, to get the roof you’re owed.
Here’s what you need to know if your insurance lowballed your roof claim — and how Tier-One Roofing stands by your side to make it right.
Why Insurance Companies Lowball Roof Claims (Even Good Ones)
It’s easy to assume the worst about insurers — that they’re trying to cheat you outright.
And while there’s certainly some of that in the industry, the bigger truth is more complicated.
Most underpayments happen because:
Adjusters are under-trained or overworked. After big storms, companies fly in contractors from out of state. Some don’t understand Oklahoma building codes or storm damage patterns.
Adjusters work for the insurer. Their job is to minimize payouts.
Rushed inspections miss hidden damage. Especially bruised shingles, soft decking, flashing failures, and internal attic moisture.
They hope you won’t push back. Most homeowners don’t realize they can — or how to do it.
The end result?
A roof "approved" for partial repairs when full replacement is needed.
An estimate that leaves out required code upgrades.
Or worse, legitimate damage dismissed entirely.
Signs Your Roof Claim Was Lowballed
Not sure if your claim was underpaid?
Here are strong indicators:
Your estimate only covers repairs, but widespread shingle damage exists.
Key items are missing from the estimate — like flashing, ridge caps, starter strips, drip edge, ice and water barrier, or ventilation upgrades.
The scope ignores city or county building codes (which require full system replacements after certain types of storm damage).
The insurer refuses to pay for matching materials.
The payout doesn’t cover contractor-grade labor and materials.
If any of these situations apply, your insurer might not be offering the full coverage you’re entitled to.
And it’s not just frustrating — it’s expensive.
Repairing half a damaged roof usually ends in premature failure, voided warranties, and more out-of-pocket costs down the line.
How Tier-One Roofing Helps You Fight Back — the Right Way
We’re not public adjusters.
We’re not lawyers.
But we are experts in Oklahoma roofing damage, insurance processes, and construction law requirements.
Here’s how Tier-One Roofing helps homeowners like you push back — legally, ethically, and effectively:
1. Full Damage Documentation
We don't just "look at your roof."
We:
Walk every plane
Photograph all damage
Drone map large or difficult roofs
Provide thermal imaging if needed
Document manufacturer warranty requirements
Compare against Oklahoma building code requirements
We build an evidence file that leaves no doubt about the true condition of your roof.
2. Accurate Scope of Work Reports
Most insurance scopes are missing crucial items.
Our experienced estimators prepare full scopes of work, line-by-line, including:
Roof system materials by brand and code
Required code upgrades (like drip edge and flashing replacement)
Full tear-off and disposal requirements
Ventilation improvements if needed to comply with codes and warranties
Proper labor pricing based on real-world costs — not insurance estimate guesswork
This isn’t just about getting you a bigger check.
It’s about ensuring you actually get a roof built to last.
3. Meeting With Adjusters and Re-Inspections
When appropriate, we meet the insurance adjuster onsite for a re-inspection.
We walk the roof with them, pointing out missed damage, code upgrade needs, and hidden vulnerabilities they might have overlooked.
Most adjusters aren’t malicious — they’re simply rushed or unfamiliar.
A professional contractor walking the damage with them changes everything.
Our presence ensures:
Nothing critical is overlooked
The damage is properly interpreted (cosmetic vs functional loss)
You aren’t left to argue on your own
4. Working With Public Adjusters If Necessary
If your insurer still refuses to pay what’s fair, we’ll refer you to trusted, licensed public adjusters we work with regularly.
These professionals can legally negotiate on your behalf for the full coverage you deserve.
We stay involved throughout the process, supplying technical details, documentation, and support.
Our goal is simple:
Get your roof fully funded and fully fixed — not half-covered and half-broken.
5. Building the Roof You Were Promised
Once the paperwork is in order and the claim is properly funded, we get to work:
Installing high-quality materials
Following manufacturer guidelines for full warranties
Meeting all Oklahoma building codes
Protecting your home like it was our own
Because for Tier-One Roofing, it’s not just about getting the insurance check.
It’s about delivering the craftsmanship and peace of mind you paid for — and deserve.
Feel like your insurance company lowballed your claim?
Call Tier-One Roofing today for a free claim review and roof inspection.
We’ll tell you honestly if you have a case — and we’ll walk you through the next steps if you do.
Why Fighting Back Is Worth It
You might feel like just giving up and accepting the smaller payout.
You might even wonder if it’s worth the hassle.
Here’s why it absolutely is:
Short-term repairs usually lead to bigger, more expensive repairs later.
Partial coverage often voids future insurance claims if the roof fails.
Properly restoring your home protects its value and your future sale potential.
You deserve what your policy promises — not what’s cheapest for the insurance company.
Tier-One Roofing has helped hundreds of homeowners across Tulsa, Broken Arrow, Bixby, and beyond get full coverage when initial offers were half (or less) of what was truly needed.
And we do it the right way: legally, ethically, and with professionalism.
Why Homeowners Across Green Country Choose Tier-One Roofing After a Storm
Proven Local Track Record:
We’re based here. We’ve worked with local adjusters, city inspectors, and building departments for years.
Veteran-Led Excellence:
Our military roots show in our discipline, thoroughness, and absolute commitment to doing things the right way — no shortcuts.
Transparent Communication:
You’ll always know exactly where your claim stands, what we’re doing, and why.
No Games, No Gimmicks:
We don’t waive deductibles (illegal).
We don’t pressure you into services you don’t need.
We simply fight for your best outcome — because that’s what we would expect if the roles were reversed.
Tired of feeling powerless after a lowball claim?
Tier-One Roofing has your back. Call us today to schedule your free claim review and storm damage inspection.
Get the roof you deserve — not the one the insurance company hopes you’ll settle for.
Don’t Let a Lowball Offer Decide Your Home’s Future
You paid your premiums.
You filed your claim honestly.
You deserve to have your home restored properly — not patched poorly because someone somewhere decided your roof wasn't worth the full payout.
Tier-One Roofing can help you fight back, finish strong, and protect the investment you worked so hard for.
If you even suspect your roof claim was underpaid, don’t wait.
Don’t accept second-best.
And don’t face the process alone.
Call Tier-One Roofing today. Let’s get you the protection, quality, and peace of mind your home deserves.