Insurance Claims
We do not file your claim for you and we cannot negotiate it — that is your carrier's business and yours. What we can do is document the damage properly and be standing on the roof when the adjuster is.
What this actually involves.
Most of the confusion around roof claims comes from two words: replacement cost. Most Oklahoma homeowner policies are replacement-cost (RCV) policies, and they pay in two parts. First the carrier pays the actual cash value — the cost to replace the roof, minus depreciation, minus your deductible. Then, once the work is actually finished and invoiced, they release the depreciation they withheld. That second cheque is often the larger one.
The part that catches people out is the deadline attached to it. Replacement-cost policies generally require the work to be completed within six months of the date of loss before the withheld amount is released. Sit on a May 8 settlement until winter and you can lose the recoverable depreciation entirely — you keep the first cheque and pay the rest yourself.
How a roof claim runs, start to finish
Documented inspection
We walk the roof, photograph every slope, mark test squares, and record the soft-metal damage that dates the storm. You get the photo set whether or not you file.
You file the claim
You call your carrier — it is your policy and your claim. We give you the date of loss, the damage summary, and the photographs to file with it.
Adjuster meeting
We meet your adjuster on the roof, walk the same slopes, and make sure the damage we documented is the damage that gets scoped. This is the single highest-value hour in the whole process.
Scope and settlement
The carrier issues a scope and an ACV payment. We price the job against that scope so you can see line by line what is covered and what is not.
Supplements where needed
When the scope misses code-required items — ice and water shield, drip edge, ventilation, decking — we document them and submit a supplement. Missed scope is the most common reason a homeowner ends up out of pocket.
Build, invoice, recover depreciation
We build the roof, invoice the completed work, and you submit that invoice to release the withheld depreciation. Finish inside the six-month window and that money is yours.
Three Oklahoma rules worth knowing before you sign anything
| Component | What we do and why |
|---|---|
| Your deductible is yours to pay | It is illegal in Oklahoma for a contractor to pay, rebate, absorb, or waive any part of your insurance deductible. Any roofer who offers to is asking you to participate in insurance fraud — and will find the money somewhere in your roof. |
| Roofers must be registered — and now endorsed | Every roofing contractor working in Oklahoma must hold a current CIB registration. As of July 1, 2026, House Bill 1628 additionally requires a Residential Roofing Endorsement for residential work, with a state exam behind it. Ask for the number. Look it up. |
| Replacement cost pays in two parts | ACV first, depreciation second, and the second part depends on the job being finished. Understand which cheque you are holding before you decide how long to wait. |
Insurance Claims — the questions we get asked
Will filing a claim raise my rates?
A weather-related claim is not the same as an at-fault claim, and in a region-wide hail event carriers are settling tens of thousands of them at once. Rate questions are your carrier's to answer, not ours — but do not let the fear of a rate change stop you from finding out whether your roof is damaged.
What if my claim gets denied?
A denial is not always the end of it. Denials often come from a desk review or a rushed inspection that missed the damage. You can request a re-inspection, and our photo documentation is what that re-inspection gets measured against.
Do you work with all insurance companies?
We work on roofs, not for carriers. We will meet any adjuster from any company on your roof and walk them through what we found. We do not have a relationship with any carrier and we are not paid by one.
Should I sign a contingency agreement before the adjuster comes?
Read it very carefully first. Some storm-chasing outfits use contingency agreements that lock you into whatever the carrier approves, at whatever price they set, with a cancellation penalty. Ours is a plain agreement to do the work at the price we quote, and you can walk away before we order material.
Other things we do.
Roof Replacement
Tear-off, deck repair, ice & water shield, and a new architectural, impact-resistant, metal, or low-slope system installed to Oklahoma code.
Read more Roof RepairRoof Repair & Leaks
Leak diagnosis, flashing and boot replacement, valley and decking repair, blow-off repair, and emergency tarping — same week, not next month.
Read more GuttersSeamless Gutters
Seamless 5″ and 6″ K-style and half-round gutter, oversized downspouts, micro-mesh guards, underground drainage, and fascia repair.
Read more Storm DamageHail & Storm Damage
Free documented hail and wind inspections, emergency tarping, and repairs by a roofer who was in Bartlesville before the storm and will be here after.
Read moreBartlesville customers on our work
Real customers, real Bartlesville roofs. We read every review that comes in and we answer the ones that need answering — including the critical ones. Our 5-star rating is on our Google Business Profile and our Facebook page, and both are linked in the footer.
“The team made sure our new roof was built according to local code. Got us all the permits necessary for the project. We love our new roof!”
Emmett Marsh · New roof · Bartlesville“Our deck repair was done efficiently. They gave us the repairs we needed without breaking our budget.”
Lindsey Beumer · Deck repairGet a free roof inspection on your schedule.
We walk the roof, photograph every slope, and hand you a written scope and a fixed price. No high-pressure close, no door-knocking, no deductible games.