Roof insurance claims in Tulsa · RainTech Roofing Storm damage,documented right.
RainTech Roofing walks Tulsa homeowners through roof claims from the first hail inspection to the final depreciation check, and meets your adjuster on the roof with the evidence already in hand.
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- FreeStorm inspection with photo report
- On siteAt your adjuster meeting
- 1 to 2 daysTypical replacement
- Top 2%GAF Master Elite
Hail damage? Check from the ground.
Walk the outside of the house for 15 to 20 minutes and check what you find. Don't get on the roof. Hail damage on shingles is hard to see from the ground unless it's bad, so these are the clues around it.
Nothing obvious from the ground
Good sign, but not proof. Hail bruising is hard to see from below. If a storm came through, a free inspection is the only way to know.
Book a free storm inspectionWorth a closer look
That's enough to get the roof inspected and photographed while the storm is recent. We'll tell you straight whether it's worth filing.
Book a free storm inspectionGet it documented now
Several signs usually means real damage. Get it photographed before you call your insurer. Claims have deadlines, and the evidence fades.
Book a free storm inspectionFrom hail day to final check.
Tap through a typical Oklahoma roof claim. Who does what, and how long it usually takes.
Storm day Day 0
- You
- Note the date, photograph damage around the house, check downspouts for granules. If water's coming in, call for a tarp and keep the receipt.
- RainTech
- Free storm inspection, usually 30 to 60 minutes.
- Your insurer
- Nothing yet.
Inspection Days after the storm
- You
- Let us on the roof and into the attic.
- RainTech
- A photo-documented inspection of every roof elevation and a written summary with damage locations. Then a straight recommendation: file, repair without filing, or wait.
- Your insurer
- Nothing yet. Insurers don't pre-approve contractors. You choose.
File the claim Weeks, not months
- You
- Call your carrier, use the portal or call your agent with your policy number and photos.
- RainTech
- Hand you the photos and summary to file with.
- Your insurer
- Oklahoma insurers must acknowledge the claim within 20 business days.
Adjuster visit Within days of filing
- You
- Schedule it for when we can be there.
- RainTech
- On the roof with your adjuster, pointing out what we documented, with damage maps, photos and material specs.
- Your insurer
- The adjuster inspects, usually 30 to 90 minutes.
Scope & first check Decision due within 45 business days of proof of loss
- You
- Send us the adjuster's estimate.
- RainTech
- Review the scope line by line and submit supplements for anything missed or undervalued, plus code-compliance documentation.
- Your insurer
- Issues the first check: replacement cost, minus depreciation, minus your deductible.
Your new roof 1 to 2 days on site
- You
- Pick colors and clear the driveway.
- RainTech
- Full tear-off and a GAF Master Elite installation, permit included.
- Your insurer
- Nothing during the work.
Final check 2 to 6 weeks after paperwork
- You
- Nothing. Don't skip this step: unfinished work forfeits the money.
- RainTech
- Submit the invoice, photos, material specs and permits to release your recoverable depreciation.
- Your insurer
- On replacement-cost policies, pays the depreciation it held back.
Do the claim math.
An illustration of how the checks usually work on an Oklahoma wind/hail claim. Your policy and the adjuster's scope decide the real numbers.
Oklahoma law prohibits any contractor from waiving or paying your deductible.
Get the real numbers: free inspectionFor illustration only. These figures are not a quote, estimate, or promise of coverage or payment, and are not binding on RainTech Roofing or your insurer. Your policy, your adjuster's scope and your insurance company determine the actual amounts.
Leaking after the storm?
- Move what you can and catch the drip.
- Photograph the damage before you clean up.
- Call (918) 449-1474 for a tarp.
Emergency tarping is nearly always reimbursable through the insurance claim as a mitigation cost. Keep the receipt and the photos.
Spot a storm chaser.
After every big hail storm, crews from out of town show up on Tulsa doorsteps. Here's what to watch for.
They knock on your door after the storm
Reputable Tulsa roofers are busy after a big storm. They don't need to recruit door to door.
They offer to cover your deductible
That's insurance fraud in Oklahoma. Any contractor who offers is telling you who they are.
The price is only good today
Same-day pressure is a sales tactic, not a business reality.
They want a big deposit, or cash only
More than half up front before work starts is a take-the-deposit-and-vanish warning.
They want you to sign over your benefits
An assignment of benefits hands them control of your claim and the negotiation with your insurer.
No local address, no paperwork
A mailbox for an office, no certificate of insurance on request, or a one-page contract with no scope.
Storm work.
Read before you call.
Insurance Claims near you.
Should I call my insurance company or a roofer first?
How long do I have to file a roof claim in Oklahoma?
How much is my wind/hail deductible?
Can a roofer pay or waive my deductible?
What's the difference between ACV and RCV?
How long does the insurance company have to respond?
What if the adjuster misses damage?
Do I have to use the roofer my insurance company recommends?
Is emergency tarping covered by insurance?
Book a free inspection with RainTech Roofing.
Three quick steps, under a minute. We'll call to schedule a time that works for you. Prefer to talk now? Call the office.
- Free inspection, no obligation
- Photos of everything we find
- Help with insurance claims
- Callback within one business day