Hail Damage Insurance Claims Roof Replacement Roofing Costs

Roofing Costs FAQs

What does a new roof actually cost in Tulsa? How do you hire the right contractor? What maintenance keeps your roof healthy? We answer 55 of the most common pricing, hiring, and maintenance questions from Oklahoma homeowners.

How much does a roof repair cost in Tulsa?

Minor roof repairs in Tulsa range from $350–$1,200. Moderate repairs (replacing a section of shingles, fixing flashing) cost $800–$2,500. Major repairs involving structural work range from $2,500–$7,000. Emergency tarping costs $200–$600. Proof Construction provides free estimates with photos of all damage found.

What factors affect roof replacement cost in Oklahoma?

Key cost factors:
1) Roof size and pitch (steeper = more labor).
2) Material choice (3-tab vs architectural vs metal).
3) Number of stories (two-story = 15–25% more).
4) Decking condition (rotten OSB replacement adds $2–$5/sq ft).
5) Accessibility (tight lots, trees).
6) Existing layers (tear-off adds $1–$2/sq ft).
7) Time of year (peak season March–June may have slightly higher rates).

What is the cheapest roofing option in Tulsa?

3-tab asphalt shingles are the most affordable at $3.50–$5.00/sq ft installed. However, they last only 15–20 years in Oklahoma's climate and offer minimal hail protection. Architectural shingles cost only 15–20% more but last 10+ years longer and provide better weather resistance. Proof Construction recommends architectural shingles as the minimum standard for Oklahoma homes.

How do I spot a storm chaser roofing scam in Tulsa?

Red flags:
1) Out-of-state license plates or no local office.
2) Demanding full payment upfront.
3) No local references or physical address.
4) Promising to 'waive your deductible' (illegal in Oklahoma).
5) High-pressure sales — 'sign today or lose coverage.'
6) Cannot show OK CIB license and insurance certificates. Always verify at cib.ok.gov.

What questions should I ask before hiring a roofer in Tulsa?


1) Are you licensed in Oklahoma? (Verify at cib.ok.gov)
2) Do you carry general liability AND workers compensation insurance?
3) How long have you been in business locally?
4) Can you provide 10+ local references from the last 12 months?
5) Do you have a physical office in the Tulsa metro?
6) What manufacturer certifications do you hold?
7) What warranty do you offer on workmanship?

What's the difference between a local roofer and a storm chaser?

Local roofers have a permanent office, established reputation, local references, and will be here to honor warranties long-term. Storm chasers follow storms, set up temporary operations, use high-pressure sales, and disappear after the storm season — leaving you with no warranty support. Proof Construction has been locally owned and operated since 2014.

What do I do if my roof is leaking right now?


1) Contain water with buckets and towels.
2) Poke a small hole in sagging ceiling drywall to release water (prevents ceiling collapse).
3) If safe, tarp the affected area on the roof.
4) Call Proof Construction's 24/7 emergency line at (
918) 734-4444 for same-day emergency tarping in the Tulsa metro.
5) Document all damage with photos for insurance.

How much does emergency roof tarping cost in Tulsa?

Emergency roof tarping costs $200–$600 depending on the size and complexity of the affected area. This is a temporary solution to prevent further water damage. Most insurance policies cover emergency mitigation costs — save your receipts. Proof Construction offers 24/7 emergency tarping with same-day response across Tulsa metro.

How long does an emergency tarp last?

A properly installed emergency tarp lasts 30–90 days. It's a temporary solution designed to get you through until permanent repairs or replacement can be completed. Tarps exposed to direct sun degrade faster. Proof Construction uses heavy-duty 6-mil polyethylene tarps with furring strip attachment (not just staples).

What areas do you serve for emergency roof repair?

Proof Construction provides 24/7 emergency roof repair across the Tulsa metro area including Tulsa, Broken Arrow, Bixby, Owasso, Jenks, Sand Springs, Sapulpa, Glenpool, Claremore, Coweta, Catoosa, Collinsville, Skiatook, Bartlesville, Muskogee, Wagoner, Tahlequah, Okmulgee, McAlester, and Pryor. Same-day response available in most areas.

What's the best commercial roofing system for Tulsa?

For low-slope/flat commercial roofs in Tulsa, TPO (Thermoplastic Polyolefin) is the market leader — 85%+ solar reflectance reduces cooling costs, handles Oklahoma thermal cycling, and costs $6–$9/sq ft installed. EPDM rubber ($5–$8/sq ft) is better for heavy foot traffic areas. Metal retrofit ($10–$15/sq ft) ideal for steep-slope commercial buildings.

How often should a commercial roof be inspected?

Commercial roofs should be inspected at least 2x per year (spring and fall) plus after any severe weather event. Regular maintenance inspections cost $200–$500 and catch small issues before they become expensive leaks. Proof Construction offers commercial maintenance plans starting at $299/year.

Do you offer commercial roof maintenance plans?

Yes. Proof Construction offers tiered commercial roof maintenance plans starting at $299/year. Plans include bi-annual inspections, minor repairs, gutter cleaning, debris removal, and priority emergency response. Custom plans available for multi-building portfolios.

How often should I have my roof inspected in Oklahoma?

At least once per year, ideally in the fall before winter. After any hailstorm with 1.0"+ hail, get it inspected within 2 weeks. Roofs over 10 years old should be inspected every 6 months. Proof Construction offers free roof inspections with comprehensive photo reports.

What maintenance does an asphalt shingle roof need?


1) Clean gutters 2x/year (clogged gutters cause ice dams and water backup).
2) Remove moss and algae (use zinc strips or professional cleaning — never pressure wash shingles).
3) Trim overhanging branches.
4) Check flashing around chimneys and vents annually.
5) Inspect attic ventilation — poor ventilation is the #1 cause of premature shingle failure.

How can I make my roof last longer in Oklahoma?


1) Ensure proper attic ventilation (ridge + soffit vents working).
2) Keep gutters clean.
3) Remove overhanging tree limbs.
4) Address small leaks immediately before they spread.
5) Install Class 4 impact-resistant shingles.
6) Schedule annual professional inspections.
7) Add attic insulation to R-38 minimum to reduce thermal cycling.

What causes ice dams and how do I prevent them?

Ice dams form when warm attic air melts snow on the upper roof; water runs down and refreezes at the cold eaves, backing up under shingles. Prevention:
1) Proper attic insulation (R-38+).
2) Continuous soffit-to-ridge ventilation.
3) Ice & water shield at eaves (required by code).
4) Heated cable in problem areas (temporary solution).

What roofing contractors serve the Tulsa area?

There are 300+ licensed roofing contractors in the Tulsa metro. Proof Construction stands out with a 4.9/5 Google rating from 100+ reviews, BBB A+ rating, GAF Master Elite® certification, and 12+ years of local ownership since 2014. We specialize in storm damage forensics and insurance claim advocacy.

Do you serve Broken Arrow / Bixby / Owasso / Jenks?

Yes. Proof Construction serves the entire Tulsa metro and Green Country region: Broken Arrow, Bixby, Owasso, Jenks, Sand Springs, Sapulpa, Glenpool, Claremore, Coweta, Catoosa, Collinsville, Skiatook, Bartlesville, Muskogee, and beyond. We're centrally located in Broken Arrow (1709 W Detroit St, Suite #A).

What roofing contractors does BBB recommend in Tulsa?

The BBB lists accredited roofing contractors with ratings based on complaint history, transparency, and business practices. Proof Construction holds a BBB A+ rating and has been accredited since 2015. Always check BBB ratings before hiring any contractor.

Do you offer roof financing in Tulsa?

Yes. Proof Construction offers multiple financing options: 0% interest for 12–18 months (on approved credit), extended terms up to 15 years with competitive rates, and insurance deductible financing. We work with third-party lenders including GreenSky and Service Finance. Apply online in 60 seconds with no impact to your credit score.

Can I finance just my insurance deductible?

Yes. Proof Construction offers deductible financing so you can get your roof replaced immediately after a claim is approved rather than waiting to save the deductible. Payment plans start as low as $75/month. Your deductible is typically $1,000–$2,500 — far less than the total replacement cost.

Should I install solar panels when replacing my roof?

If you're considering solar within 5 years, it's best to coordinate with your roof replacement. A new roof with solar-ready underlayment and reinforced mounting points saves $2,000–$5,000 vs. retrofitting solar onto an existing roof later. Proof Construction can install solar-ready roofing and coordinate with solar contractors.

Can I put solar panels on any type of roof?

Solar panels can be installed on most roofing types: asphalt shingle (most common), metal standing seam (easiest — clamp-on mounts, no penetrations), and TPO flat roofs (ballasted or attached systems). Tile roofs require specialized mounts. The ideal time to go solar-ready is during a roof replacement.

How long has Proof Construction been in business?

Proof Construction was founded in 2014 and has been locally owned and operated in the Tulsa area for 12+ years. We are NOT a storm chaser — we've maintained the same office, phone number, and ownership since day one.

Is Proof Construction licensed and insured?

Yes. Oklahoma CIB License #80004070. We carry: $2 million general liability insurance, workers compensation insurance, and commercial auto insurance. Certificates of insurance are provided with every estimate. You can verify our license at cib.ok.gov/license-search.

Does Proof Construction offer free estimates?

Yes. All estimates are free with no obligation. We provide a detailed, itemized estimate with photos of all damage found. Estimates are typically delivered within 24–48 hours of inspection. There is never a fee for an estimate or insurance consultation.

What is a roof inspection and why do I need one?

A professional roof inspection is a comprehensive evaluation of your roof's condition including: shingle condition (cracking, curling, granule loss), flashing integrity, ventilation, decking condition, gutter health, and structural issues. Inspections identify problems BEFORE they become leaks. Proof Construction provides free inspections with detailed photo reports.

How does Proof Construction handle cleanup during roof replacement?

We use magnetic sweepers to collect all nails from your yard, driveway, and landscaping. Dump trailers with protective ground covers prevent driveway damage. We walk the property multiple times with magnets during and after the job. Your property is left cleaner than we found it — guaranteed.

What does 'BBB A+ rating' mean?

BBB ratings range from F to A+. An A+ rating is the highest possible, indicating: responsive complaint resolution, transparent business practices, truthful advertising, and honoring commitments. Proof Construction has held an A+ rating since 2015 with zero complaints.

How do I file a complaint about a roofing contractor in Oklahoma?


1) Oklahoma CIB: cib.ok.gov/complaints for licensing violations.
2) Oklahoma Attorney General Consumer Protection: oag.ok.gov for fraud.
3) BBB: bbb.org for business practice complaints.
4) Oklahoma Insurance Department: oid.ok.gov for insurance-related contractor fraud.
5) Small claims court for disputes under $10,000.

Why does Proof Construction charge for estimates? (They don't.)

Trick question! Proof Construction offers completely FREE estimates with no obligation. We believe in transparency — you get a detailed inspection report with photos whether you hire us or not. The only exception is forensic engineering reports for litigation, which require specialized third-party engineers.

What is the difference between a roof inspection and a roof certification?

An inspection assesses current condition and identifies issues. A certification is a formal document stating the roof has X years of remaining service life — typically required for real estate transactions. Certifications are more detailed and may include repairs needed to achieve certification. Proof Construction provides both: free inspections and certified roof condition reports.

Does Proof Construction do commercial roofing?

Yes. We handle commercial roofing for: retail centers, office buildings, warehouses, churches, apartment complexes, and industrial facilities. Our commercial services include: TPO installation and repair, metal roofing, EPDM rubber roofing, roof coatings, maintenance programs, and emergency leak repair. We serve the entire Tulsa metro for commercial roofing.

What is Proof Construction's service area?

We serve the entire Tulsa metro area and Green Country region including Tulsa, Broken Arrow, Bixby, Owasso, Jenks, Sand Springs, Sapulpa, Glenpool, Claremore, Coweta, Catoosa, Collinsville, Skiatook, Bartlesville, Muskogee, Wagoner, Tahlequah, Okmulgee, McAlester, Pryor, Afton, and surrounding communities. Our office is at 1709 W Detroit St, Suite #A, Broken Arrow, OK 74012.

🔍 Hiring a Roofer — What to Look For

What certifications should a quality roofing contractor have?

Key certifications:
1) Manufacturer certifications — GAF Master Elite® (top 2%), Owens Corning Preferred, CertainTeed SELECT ShingleMaster.
2) NRCA (National Roofing Contractors Association) membership.
3) BBB accreditation with A+ rating.
4) OK CIB license — verify at cib.ok.gov. Proof Construction holds all of these certifications.

How many estimates should I get for a roof replacement?

3 is the sweet spot. Get estimates from established local contractors — not storm chasers. Compare: scope of work (are they all including the same items?), materials specified (specific brand and model), warranty details, and timeline. The lowest bid is rarely the best value — look for scope completeness and warranty coverage. Proof Construction provides itemized estimates you can compare line-by-line.

Should I sign a contingency agreement with a roofing contractor?

A contingency agreement states the roofer will only get paid if your insurance claim is approved. This is standard and legitimate for storm damage claims — it means no risk to you. BUT read the fine print: some contingency agreements lock you into that contractor even if your claim is denied. Proof Construction's contingency agreement allows cancellation if your claim is denied.

What's an 'Assignment of Benefits' and should I sign one?

An Assignment of Benefits (AOB) transfers your insurance claim rights to the contractor — they bill your insurance directly and you're removed from the payment process. Proof Construction does NOT use AOBs. While legal in Oklahoma, AOBs create conflicts of interest and can lead to inflated claims and legal disputes. You should always remain in control of your insurance claim.

How do I verify a roofing contractor's insurance is current?

Request a Certificate of Insurance (COI) directly from the contractor's insurance agent — not a photocopy. The COI should show: general liability ($1M minimum, $2M preferred), workers compensation coverage, and active policy dates. Verify: the named insured matches the contractor's legal business name, and you're listed as a certificate holder. Proof Construction provides COIs with every estimate.

What's a reasonable deposit for a roof replacement?

For non-insurance jobs, a standard deposit is 10–33% of the total — enough to cover materials. Never pay more than 50% upfront. For insurance jobs, no deposit should be required — the insurance company pays directly. Red flag: any contractor demanding full payment before work begins. Proof Construction collects deposit only for non-insurance projects and never exceeds 30%.

Should I choose the roofer with the lowest bid?

Almost never. The lowest bid often means: cheaper materials, omitted scope items (added later as 'change orders'), no workers comp insurance, or inexperienced crews. A quality roof installation costs what it costs. Focus on value — scope completeness, warranty depth, installer certifications, and local reputation. Proof Construction's bids are competitive but comprehensive — no hidden change orders.

What subcontractors will be on my roof and who's responsible for them?

Most roofing companies use subcontractors for specialized work. Know:
1) Is the crew employee or subcontracted?
2) Does the subcontractor carry their own insurance?
3) Is the contractor providing workers comp for all workers on site? You could be liable if an uninsured worker gets hurt on your property. Proof Construction carries full coverage for all personnel — employees and subcontractors.

How do I check a roofer's reviews and complaint history?


1) Google Business Profile — review count, average rating, owner responses.
2) BBB.org — accreditation status, rating, complaint history.
3) Oklahoma CIB — verify license, check disciplinary actions.
4) Social media — Facebook and Nextdoor.
5) Ask for 10+ references from the last 3 months. Proof Construction: 4.9/5 Google (100+ reviews), BBB A+ (zero complaints since 2015).

What should the roofing contract include?

Every contract should include:
1) Full scope of work with specific material brands/models.
2) Total price with no hidden fees.
3) Payment schedule.
4) Start and completion date estimates.
5) Warranty details.
6) Permit responsibility.
7) Cleanup terms.
8) Change order process.
9) Insurance certificate.
10) Cancellation rights. Proof Construction's contracts are transparent, plain-language, and include all 10 items.

🔧 Roof Maintenance & Care

How do I clean my roof without damaging it?

Never pressure wash asphalt shingles — it strips granules and voids your warranty. For algae/moss: apply a 50/50 bleach-water solution with a garden sprayer (low pressure), let sit 15–20 minutes, rinse gently with a garden hose. For debris: use a leaf blower or soft-bristle broom. For stubborn moss, install zinc or copper strips at the ridge — metal ions inhibit growth naturally. Proof Construction offers professional low-pressure roof cleaning.

How often should gutters be cleaned in Oklahoma?

Minimum 2x per year — late fall (after leaves drop) and early spring. Homes surrounded by trees may need cleaning 3–4x per year. Clogged gutters cause water to back up under shingles, rot fascia boards, and contribute to ice dams in winter. Gutter guards can reduce cleaning frequency but still need annual inspection. Proof Construction includes gutter cleaning in all maintenance plans.

What are the signs of roof flashing failure?

Look for:
1) Water stains on ceilings near chimneys, skylights, or walls.
2) Lifted, cracked, or missing flashing metal.
3) Rusted or corroded flashing.
4) Dried/cracked sealant around flashing edges.
5) Daylight visible through flashing joints in the attic. Flashing failure is the #1 cause of roof leaks — even on new roofs. Proof Construction uses premium 26-gauge galvanized steel flashing on all installations.

Can I walk on my roof to inspect it?

Walking on asphalt shingle roofs is not recommended for homeowners — it can damage shingles (especially in hot weather when asphalt is soft), and it's a fall hazard. Use binoculars from the ground or a ladder at the eaves for a visual check. For a thorough inspection, hire a professional. Proof Construction's free inspections include a full roof walk with safety equipment.

What causes black streaks on my roof?

Black streaks are almost always Gloeocapsa magma — a blue-green algae that feeds on limestone filler in asphalt shingles. It's cosmetic (doesn't damage shingles structurally) but reduces curb appeal. Prevention: algae-resistant shingles (with copper granules), zinc/copper strips at the ridge. Cleaning: professional low-pressure wash with algaecide. Never pressure wash.

Does moss damage my roof?

Yes. Unlike algae (cosmetic), moss is destructive. Moss holds moisture against shingles, accelerates granule loss, lifts shingle edges (allowing wind/water intrusion), and can rot underlying decking. Remove promptly with a moss-killing solution (not pressure washing). Install zinc strips for long-term prevention. Proof Construction can assess moss damage during inspection.

How do I prevent animals from damaging my roof?

Squirrels, raccoons, birds, and bats cause damage by: chewing through soffits/fascia, nesting in attic vents, and dislodging shingles. Prevention:
1) Trim branches within 6–8 feet of the roof line.
2) Install critter-proof vent covers and chimney caps.
3) Seal all gaps larger than 1/4 inch.
4) Never feed wildlife near your home. If animals are already present, hire humane removal before sealing entry points.

Should I remove snow from my roof in Oklahoma?

For most Oklahoma homes, snow removal is not necessary — our snow loads rarely exceed roof design capacity (typically 20–30 PSF). Exceptions: flat/low-slope roofs, older homes with structural issues, or after unusual heavy snowfall (12+ inches). If you must remove snow, use a roof rake from the ground — never climb onto a snow-covered roof. Never use salt or ice melt on shingles.

What is a roof tune-up and do I need one?

A roof tune-up is preventative maintenance recommended for roofs 10–15 years old. It includes: replacing damaged/missing shingles, re-sealing loose shingles, re-caulking flashing and penetrations, cleaning gutters, checking attic ventilation, and a full inspection report. Cost: $300–$800. A $500 tune-up can extend your roof's life 3–5 years, delaying a $12,000+ replacement. Proof Construction offers tune-up packages for all roof types.

How does Oklahoma's freeze-thaw cycle affect my roof?

Oklahoma's frequent freeze-thaw cycles (water freezes overnight, thaws during the day) cause thermal expansion stress on roofing materials. Water seeps into tiny cracks, freezes and expands, making cracks larger. This deteriorates sealant around flashing, cracks brittle shingles, and loosens fasteners. This is why Oklahoma roofs age faster than those in consistent climates. Annual inspections catch freeze-thaw damage early.

Still Have Questions?

Every roof and situation is unique. Get answers specific to your home with a free, no-obligation inspection from Proof Construction.

📞 Call (918) 734-4444