Oklahoma · Insurance
Hail strikes, test squares, and adjuster scope. Most people searching this want to know if the hail actually damaged the roof and to get the claim approved if so — that's what you'll get, in writing, from a CIB-registered, insured Oklahoma roofing contractor from our vetted network.
Get a written quoteno cost to inspect; the roofer's incentive is a fully scoped claim, and yours is a new roof for the price of your deductible — both align when the damage is real.
Oklahoma City and Tulsa sit in one of the most hail-prone metro corridors in the country, and most Oklahoma homeowner policies now carry a percentage-based wind/hail deductible rather than a flat one — read your declarations page before assuming what a claim will net you.
State law gives homeowners a three-day right to cancel a contract signed with a door-to-door roofer, no penalty, no reason needed — useful leverage against a crew pressuring a same-day signature.
Oklahoma's Roofing Contractor Registration Act also requires a written contract disclosing the total price before work starts and bars a roofer from advertising a 'free roof' by covering your deductible — both are fraud red flags when you see them.
After a major hail event, out-of-state registration numbers spike; the CIB registry is public and takes under a minute to check before you sign anything.
How it works
Test squares: a 10x10 foot area on each slope is chalked and hail strikes are counted. Most carriers use a threshold (often 8+ per square) to approve a slope. Your roofer should do the same count before the adjuster arrives.
Texas policies typically allow filing within a year or two of the event, but the sooner the better — weathering makes old hail damage harder to distinguish from wear.
Under a replacement cost policy, no — the recoverable depreciation is only paid when the work is done. Under an ACV policy, you get the depreciated value and can do what you want, but it won't buy a new roof.
In 8 counties and 29 cities and communities — every area listed below. If yours isn't there, send the address anyway; the partner's service radius is wider than the page list.