Expert Help Through the Roofing Insurance Claim Process
Dealing with storm damage to your roof is stressful enough—navigating the insurance claim shouldn’t make it harder. At Norman Roofworks, we help homeowners in Norman and surrounding areas by connecting them with trusted, experienced roofing professionals who can assist throughout the insurance claim process—from initial inspection to final roof replacement.
Important Disclaimer:
Norman Roofworks is not a public insurance adjuster and does not negotiate or settle claims. We do, however, work with licensed roofing contractors who can meet with your insurance adjuster to ensure your roof’s damage is properly documented and all necessary repairs are included in the scope of work.
Step 1: Schedule Your Roof Inspection and Get a Detailed Estimate
Before filing an insurance claim, it’s essential to confirm storm damage exists and qualifies under your policy.
Book a Free Roof Inspection
Our partnered roofing experts will:
- Perform a full assessment for wind, hail, or storm damage
- Document missing shingles, leaks, and structural or water intrusion issues
- Provide a thorough inspection report to support your insurance claim
Call us at (405) 977 1948 or use our contact form to schedule your inspection with a referred roofing specialist.
Step 2: File Your Insurance Claim
Once storm damage is confirmed, it’s time to initiate the claim with your insurance provider.
What You’ll Need to File:
- The date and time of the storm
- Your insurance policy number
- Any inspection reports or photos taken by the roofer
- Contact the insurance company’s claims department—not just your agent
Your provider will assign a claim number that you’ll use throughout the process. The roofing contractor we refer you to can help answer questions related to the repair estimate.
Step 3: Insurance Adjuster Inspection
After your claim is filed, your insurance company will assign an adjuster to assess the damage.
What You Should Do:
- The adjuster typically contacts you within 48 hours to set up an appointment.
- Be sure to notify your roofing contractor so they can be on-site during the inspection.
Why It’s Critical to Have a Roofer Present:
- Insurance adjusters work for the insurance company, not the homeowner.
- Your contractor can ensure all visible and hidden damage is documented.
- They’ll confirm that proposed repairs meet local codes and standards.
While contractors can’t negotiate with insurers, they can advocate for the repairs your roof truly needs.
Step 4: Review Your Insurance Estimate
After the inspection, your insurance company will send a Scope of Work outlining the covered repairs and costs.
What You’ll Receive:
- Line-item breakdown of approved repairs and materials
- Depreciation deductions, if applicable
- Your deductible amount
Share this paperwork with your roofing contractor. They’ll verify that everything needed is included. If not, they can help request a supplemental estimate for missing items.
Insurance paperwork typically arrives 7–10 days after the adjuster’s visit.
Step 5: Roof Replacement & Payment Process
Most storm damage claims are paid out in stages. Here’s what to expect:
First Payment: Actual Cash Value (ACV)
This is issued shortly after claim approval and reflects the depreciated value of your current roof.
Roof Replacement Starts
Once your ACV payment clears, your roofing contractor will begin the roof replacement process. You’re responsible for paying your policy deductible at this stage.
Second Payment: Recoverable Depreciation & Final Invoice
If your policy includes recoverable depreciation, this payment is issued after the work is completed. Your contractor will submit the final invoice to your insurance company to trigger this release.
The final insurance payment is then submitted to your contractor once all work is finished.
Why Choose Norman Roofworks?
We work with trusted local professionals who offer:
Free Roof Inspections –
Detailed assessments for storm and hail damage
Insurance Support –
Guidance through the claim process
Licensed & Insured Contractors–
All work meets Oklahoma codes and standards
Adjuster Coordination –
Contractors attend inspections and ensure full damage is documented
Top-Quality Workmanship –
Repairs are done right the first time
Frequently Asked Questions
How do I know if my roof damage qualifies for a claim?
If your roof has suffered from wind, hail, or storm-related damage, it may qualify. A free inspection from one of our partnered contractors will confirm this.
Will my insurance rates go up?
In most cases, weather-related claims don’t result in rate increases. Always double-check with your insurance provider for specific policies.
How long does the process take?
Most claims are completed within 2–4 weeks, depending on your insurance company and how quickly inspections and paperwork are processed.
Do I need multiple contractor estimates?
Usually not. Insurance companies determine the payout based on their inspection. However, if the amount is too low, your contractor can help request additional funds through a supplement.
What if my claim gets denied?
You can request a reinspection. The roofing contractor can provide more documentation to support your case and help you get a second review.
Ready to Start Your Roof Insurance Claim?
Don’t let damage worsen while you wait—your homeowner’s insurance may cover the cost of a full roof replacement.
Call us now at (405) 977 1948 to schedule your free roof inspection.
Or email us at info@normanroofworks.com to get started.
Reminder: Norman Roofworks is not a public adjuster and does not negotiate claims. We connect homeowners with reliable contractors who can assess your roof and complete any necessary repairs.
