Your Adjuster Isn't an Adjuster.
He's a Claim Reviewer.

What Your Insurance Company Doesn't Want You to Know

Here's the reality: most "adjusters" making decisions on Tulsa roof claims have never climbed a roof. They're desk adjusters working from satellite imagery, stock photos, and pricing databases that deliberately undervalue Oklahoma labor and material costs.

Proof Construction's forensic audit founder has personally inspected over 1,200 roofs across the Tulsa metro. We've documented the gap between what insurers want to pay and what a proper repair actually costs. That gap averages 31% — or $8,400 per claim.

The Xactimate Gap: Where Claims Get Undervalued

Insurance carriers use Xactimate — a standardized estimating platform — but they configure it with proprietary pricing models that systematically shortchange homeowners. Our forensic team identified the five most common manipulation tactics:

The result: A claim that should pay $28,000 for a full replacement gets approved at $19,600. The homeowner is left with an $8,400 gap — and a roof that's still damaged.

What a Forensic Audit Actually Does

Most "roof inspections" are visual walkarounds. Our forensic audit is different. It's a systematic, ASTM-standard investigation that produces insurance-grade evidence:

1. Aerial Thermographic Mapping. We deploy drone-mounted FLIR cameras to detect latent moisture intrusion beneath the shingle surface. This identifies damage invisible from ground level.
2. High-Resolution Impact Documentation. Every hail strike, granule loss zone, and mat fracture is photographed with scale references and GPS coordinates. Average: 140+ photos per inspection.
3. Xactimate Precision Estimates. We build a line-item scope using the same software your carrier uses — but without the pricing suppression. Every code-required upgrade, every flashing detail, every penetration boot is itemized.
4. Depreciation Challenge Package. We analyze your carrier's depreciation schedule against actual material condition, roof age, and maintenance history to challenge excessive depreciation.
5. Supplement-Ready Documentation. The entire forensic package is formatted as a supplement-ready claim addendum — your carrier gets it and processes it without the usual back-and-forth.

The 25% Rule: Why Partial Approvals Fail

Oklahoma law (OAC 365:10-5-1) requires full roof replacement if 25% or more of any slope is damaged in a single weather event. Most insurance adjusters apply this rule incorrectly — measuring damage across the entire roof rather than per-slope.

Our forensic team maps damage quadrants independently and documents per-slope percentages. We've overturned 47 partial-coverage denials in the past 18 months using this precise application of Oklahoma code.

What Competitors Won't Tell You

Most roofing contractors in Tulsa offer "free inspections." Here's what they don't do:

• They don't carry Xactimate-certified estimators on staff
• They don't document with forensic-grade photography and thermal imaging
• They don't prepare supplement-ready claim packages
• They don't challenge depreciation schedules
• They don't maintain a database of insurance carrier settlement patterns

Proof Construction does all of this. It's the difference between getting a roof and getting paid for a roof.

How We Beat Every Carrier Pattern

We maintain a proprietary database of carrier settlement patterns across the Tulsa DMA. This lets us predict — before we submit — exactly which line items will be challenged and by how much. Our team pre-emptively builds counter-evidence into every submission.

The result: 94% supplement approval rate, average turnaround 6.4 days. Not weeks of back-and-forth with a desk adjuster who's never touched a shingle.

The Process: 48 Hours From Call to Claim Package

1. Call. (918) 734-4444. Real person. Not an answering service.
2. Forensic Inspection. On-site within 24 hours. Drone thermography + ground-level documentation.
3. Damage Report. Comprehensive forensic PDF delivered within 48 hours.
4. Claim Submission. We submit directly to your carrier — supplement-ready, with every line item pre-defended.
5. Settlement. Average 6.4 days to approval. You get paid. We fix your roof.