Storm just rolled through? You hear the wind howling, rain pouring, and maybe even hail hitting your roof like a firing squad. Now your ceiling’s leaking, and shingles are scattered across the yard.
If you're a homeowner in Tulsa, Broken Arrow, or anywhere in the greater metro, this isn’t just frustrating — it’s money out of your pocket if you don’t act fast and smart.
Here’s exactly what to do to file a roofing insurance claim after a storm — step by step — with none of the fluff.
Step 1: Look for Obvious Roof Damage (From the Ground)
You don’t need to be a roofing expert to tell when something’s wrong — and we don’t recommend you get up on the roof to check.
What you can do:
Walk around the perimeter of your home.
Look for shingles on the ground.
Check for bent or broken gutters.
Look for debris on the roof (branches, hail, flashing).
Go inside: check ceilings for new stains or soft spots.
If you see any of the above — or if the storm was serious — it’s time to bring in a pro.
Step 2: Call a Local Roofing Contractor First — Not the Insurance Company
We get it. It feels natural to call your insurance company first.
But here’s the truth: insurance adjusters work for the insurance company. We work for you.
At Tier-One Roofing, we provide free storm inspections across Tulsa and Broken Arrow. We’ll tell you exactly what’s damaged, how bad it is, and if it makes sense to file a claim — because not every storm means you should.
And here’s the kicker: If the damage is below your deductible, filing a claim could hurt you.
You’ll end up with a denied claim on your record and still have to pay for repairs out of pocket.
Let us look first. Then you’ll know for sure.
Step 3: Get Photo & Written Documentation
If your roof’s damaged, you need proof — not just for peace of mind, but for the insurance company.
When we inspect your roof, we’ll give you:
High-resolution photos of the damage
A written report with location-specific notes (wind lift, hail impact, etc.)
An estimate using the same pricing software insurance companies use
This matters. When the claim gets submitted, the adjuster will have a hard time lowballing you with dated pricing or vague inspections.
Step 4: File Your Claim (With the Right Info)
Once you've confirmed there's damage and gotten a professional inspection, it's time to file the claim. You can usually do this through your insurance provider's:
Mobile app
Online portal
Customer service phone line
Be prepared to provide:
Your policy number
Date and time of the storm
Description of the damage
Photos (we’ll help you gather these)
Our inspection report, if needed
At this point, you’ll get a claim number and be assigned an insurance adjuster.
Step 5: Schedule the Adjuster Visit (Have Us There Too)
Here’s where claims go sideways — and why it’s critical to have your roofer present when the adjuster comes out.
We’ve seen adjusters overlook damage, underreport it, or write up partial repair estimates that don’t solve the actual problem.
We make sure everything is documented properly.
We climb the roof with them.
We show them the damage they missed.
We back it up with the photos and notes we already provided.
Most importantly: we make sure your claim reflects the real cost of fixing the roof, not just a patch job.
Step 6: Review the Insurance Estimate Before Signing Anything
Once the adjuster completes their report, the insurance company will send you a scope of loss — basically, a breakdown of what they’re covering and what they’re not.
Before you approve it:
Make sure all line items match what we quoted
Watch for "repair-only" estimates that don’t meet code
Ensure it includes all materials, labor, and code compliance upgrades (as required in Oklahoma)
If anything looks off, we’ll help you fight it.
What If the Insurance Company Denies the Claim or Offers Less Than Needed?
Sadly, it happens — even in cases where the damage is obvious.
You’re not stuck. Here's what you can do:
● Ask for a Reinspection
You have the right to request a second opinion, especially if your roofer found more damage than what’s listed in the adjuster's report.
● Submit a Supplement
If new issues are discovered during the work, we can submit a supplement to add those items to your claim — legally and professionally.
● Bring in a Public Adjuster
For major claims or denied coverage, hiring a public adjuster can help level the playing field. These are licensed experts who negotiate with insurance on your behalf.
What Insurance Covers (and Doesn’t) in Tulsa Roof Claims
In most cases, standard homeowner’s policies cover:
Wind and hail damage
Falling debris (tree limbs, flying objects during storms)
Water intrusion caused by storm damage
What they don’t cover:
Wear and tear
Neglected maintenance
Pre-existing damage
That’s why it’s so important to have a roofer involved from the start. We’ll help you determine if the damage is storm-related — and if it's worth filing a claim.
How Long Do You Have to File a Roof Claim in Oklahoma?
In Oklahoma, most insurance companies give you 1 year from the date of the storm to file a claim — but don’t wait that long.
Storm damage gets worse over time, and the longer you wait, the more likely it is the insurance company will blame “age” instead of weather.
Need Help Filing a Roofing Claim in Tulsa or Broken Arrow?
This isn’t something you need to figure out on your own. At Tier-One Roofing, we’ve helped hundreds of local homeowners:
Understand their policy
Get fair coverage for storm damage
Fight back when they’re lowballed or denied
Make sure their roof is repaired right, not just patched
We handle everything with zero pressure and zero BS.
Final Word: How to File a Roof Insurance Claim After a Storm in Tulsa
Here’s the simple version:
Inspect your roof from the ground
Call Tier-One Roofing first for a free inspection
Let us document the damage
File your claim with accurate info
Have us meet the adjuster
Don’t accept a lowball estimate
Get your roof done right
If you’ve had storm damage in Tulsa, Broken Arrow, Bixby, Jenks, or the surrounding area, we’ve got your back.
Call Tier-One Roofing for a free inspection today — before small problems become big ones.