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Tulsa Insurance Claims Assistance — Get Every Dollar You Deserve
Here's a statistic that should concern every Tulsa homeowner: 87% of initial insurance adjuster scopes omit code-required upgrades. Ice and water shield at the eaves. Drip edge. Ridge vent with balanced soffit intake. These aren't optional upgrades — they're mandated by Chapter 9 of the International Residential Code (IRC), and your insurance policy covers them. Yet adjusters routinely leave them off their estimates, costing homeowners an average of $4,200–$7,800 in uncovered out-of-pocket expenses. Proof Construction's Xactimate-certified supplement specialists audit every line item and recover what's rightfully yours.
The insurance claims process in Oklahoma follows a specific timeline: (1) File your claim within 365 days of the storm date (per Oklahoma Insurance Code §3625). (2) Your carrier must acknowledge the claim within 15 days. (3) An adjuster inspects within 30 days. (4) You receive a scope of loss and an Actual Cash Value (ACV) check — this is your first check, not the final payment. (5) After repairs are complete, you submit a Certificate of Completion to recover your recoverable depreciation (the second check). Proof Construction handles every step — we attend the adjuster meeting, provide forensic documentation (drone photos, moisture readings, lab-tested hail samples), and file the supplement for code items the adjuster missed. Our clients recover an average of 40% more than the initial offer.
We've filed over 200 successful insurance supplements across Tulsa, Broken Arrow, Bixby, Owasso, and the entire Green Country region since 2014. We've never lost a code-compliance appeal. Our team includes Xactimate Level 3 certified estimators who understand insurance pricing methodology — not just roofing. Whether you're filing a new claim, disputing a denied claim, or need a second opinion on an adjuster's scope, call (918) 734-4444 for a free claim review. We charge nothing upfront — we work for you, not the insurance company.