Stop Paying for a New Roof Out of Pocket. Here's How Insurance + Financing Make It $0.

Your Homeowners Insurance Already Covers Most of This. Your Adjuster Just Didn't Tell You.

Here's what most Tulsa homeowners don't realize: your homeowners insurance policy almost certainly covers roof replacement if the damage was caused by hail or wind — two of the most common perils in Oklahoma. The issue isn't whether you're covered. It's whether your adjuster's scope of work accurately reflects the full extent of the damage.

Insurance companies operate on a simple principle: pay the minimum to satisfy the claim. Your adjuster's initial estimate is not the final word. It's the opening offer in a negotiation. With Xactimate-certified supplement preparation, Proof Construction regularly recovers 40-70% more than the initial adjuster estimate through proper documentation of line-item costs, code upgrades, and hidden damage.

Here's how the process works:

• Your adjuster inspects — They create an initial scope and estimate based on what's visible.
• We re-inspect with forensic tools — Drone thermal imaging, moisture mapping, and ASTM-standardized hail bruising analysis reveal what's hidden.
• We prepare a supplement — Our Xactimate-certified estimators build a complete, line-item scope that accounts for everything.
• We negotiate on your behalf — We submit your supplement and fight for the full RCV (Replacement Cost Value) you're entitled to.

Ready to see where you stand? Take our free Insurance Claim Readiness Assessment — answer 5 quick questions and get a personalized readiness score in under 60 seconds.

The 25% Rule Forces Total Replacement. Here's How to Make Them Pay for Class 4.

Most Tulsa municipalities enforce the 25% rule: if more than 25% of your roof is damaged, building codes require a complete tear-off and replacement rather than spot repairs. This isn't a suggestion — it's code. And it means your insurance company is on the hook for a full roof replacement, not just patches.

But here's where most contractors drop the ball: they'll spec the cheapest compliant material — typically 3-tab shingles with a Class 1 impact rating. You get a new roof, sure. But you miss the opportunity to upgrade to Class 4 impact-resistant shingles that:

• Qualify you for 10-15% annual insurance premium discounts
• Withstand hail impacts that would destroy standard shingles
• Extend your roof's lifespan to 25-30 years with proper installation
• Increase your home's resale value by $5,000-$15,000

The best part? You can finance the upgrade portion. When your insurance pays for the like-kind replacement (standard shingles), you can use financing to cover the material upgrade to Class 4 shingles. With 0% APR financing available for 12-24 months, your monthly payment on the upgrade could be as low as $30-$80 per month. Compare that to the $200-$400/year you'll save on insurance premiums.

See which roofing materials qualify for the best discounts on our Roofing Materials Comparison page.

0% Financing Exists. Most Roofers Won't Offer It Because It Cuts Their Margin.

Let's be direct: 0% APR financing costs the contractor money. The lender charges the contractor a fee — typically 3-6% of the financed amount — to offer you a 0% rate. Most roofing companies refuse to eat that cost. They'd rather push you toward high-interest options or demand cash up front.

We don't do that. Proof Construction offers 0% APR financing through our network of preferred lenders because we know that removing financial barriers is the fastest path to protecting your home. A storm-damaged roof doesn't wait for your savings account to recover.

Here are your financing options:

All financing options are subject to credit approval. Terms and conditions apply. Speak with a financing specialist for full details.

What Other Tulsa Roofing Contractors Won't Tell You About Financing

The roofing industry has dirty secrets. Here's what competitors won't say — and why it matters for your wallet.

Your Next Move — Use These Free Tools

We've built a suite of free tools to help you navigate the insurance claim and financing process. Start here.