📝 Free Downloadable Resource

Insurance Claim Guide

A step-by-step walkthrough for filing a roofing insurance claim in Oklahoma. Learn how to document damage, work with your adjuster, and maximize your settlement.

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The 8-Step Insurance Claim Process

Assess the Damage Immediately

After a storm, walk around your property and look for visible damage: missing shingles, dented gutters, broken vents, hail impacts on siding. Take photos of everything. Don't wait — some damage worsens quickly.

Call Proof Construction for a Free Inspection

Before contacting your insurance company, have a professional roofing contractor inspect the damage. We provide a detailed report with photos and measurements that you can share with your adjuster. This helps ensure nothing is missed.

Review Your Insurance Policy

Check your declarations page for: deductible amount, Replacement Cost Value (RCV) vs Actual Cash Value (ACV) coverage, wind/hail exclusions, and claim filing deadlines. Oklahoma law gives you at least 1 year from the date of loss for most policies.

File Your Claim

Call your insurance company's claims department. Have your policy number ready. State the date of the storm, describe the damage you've observed, and request an adjuster visit. Get a claim number and the adjuster's contact information.

Prepare for the Adjuster Visit

Have your contractor present during the adjuster's inspection if possible. Gather: photos you took, any contractor inspection reports, receipts for emergency repairs, and a list of specific concerns. The adjuster works for the insurance company — having a professional on your side levels the field.

Understand Your Settlement

You'll receive a Loss Summary/Scope of Loss document. Review it carefully with your contractor. Common issues: missed items, underpriced line items, incorrect measurements. If something is wrong, you can request a re-inspection or supplement.

Supplement If Needed

If the initial settlement doesn't cover all damage, your contractor can submit a supplement request with additional documentation. This is common — insurance adjusters often miss things. Proof Construction handles this process for you.

Get the Work Done

Once the claim is approved, schedule your roof replacement or repair. Your insurance company will issue payment (typically in 2-3 installments: initial ACV, depreciation holdback after completion). Keep all receipts and documentation for your records.

📋 Key Documents to Keep

✔ Claim number and adjuster contact info
✔ Photos of all damage (before any repairs)
✔ Contractor inspection report and estimate
✔ Insurance company correspondence (all letters and emails)
✔ Loss Summary / Scope of Loss document
✔ Receipts for any emergency or temporary repairs

Frequently Asked Questions

Can my insurance company cancel me for filing a claim?

No. Oklahoma law prohibits insurance companies from canceling or non-renewing your policy solely because you filed a storm-related claim.

How long do I have to file a claim after a storm?

Most Oklahoma homeowners policies require claims to be filed within 1 year of the date of loss. However, it's best to file as soon as possible — within days, not weeks. Evidence deteriorates over time.

What if the insurance company denies my claim?

You have the right to appeal. Request a re-inspection and provide additional documentation. A qualified roofing contractor can help you build a stronger case.

Do I have to use the contractor my insurance suggests?

Absolutely not. Oklahoma law gives you the right to choose any licensed contractor. Insurance companies may recommend preferred contractors, but you are never required to use them. Choose someone you trust.