Navigating insurance claims for roof damage shouldn't be overwhelming. Major Roofing takes the stress out of the process by handling documentation, communicating with adjusters, and advocating for the coverage you deserve. Get your roof restored quickly and correctly—without the headache.
Oklahoma's severe weather—hail storms, tornadoes, high winds, and damaging thunderstorms—can wreak havoc on your roof in minutes. When damage occurs, filing an insurance claim should be straightforward, but the reality is often frustrating and confusing.
Insurance companies use complex processes, specific documentation requirements, and industry jargon that can leave homeowners feeling overwhelmed. Claims may be undervalued, delayed, or even denied due to insufficient documentation or missed deadlines. Without professional representation, you're at a significant disadvantage when negotiating with experienced insurance adjusters whose job is to minimize payouts.
That's where Major Roofing makes the difference. As roofing professionals with extensive insurance claims experience, we level the playing field. We know exactly what insurance companies require, how to document damage properly, and how to advocate effectively for the full coverage you're entitled to under your policy.
We handle the paperwork, communicate with your adjuster, and ensure nothing is overlooked—so you can focus on getting your home restored while we fight for the fair settlement you deserve
The foundation of a successful insurance claim is thorough, professional documentation. We conduct a comprehensive roof inspection specifically focused on identifying all storm-related damage, including:
Why it matters: Incomplete documentation is the #1 reason claims are undervalued or denied. We ensure nothing is missed.
Dealing with insurance adjusters can be intimidating, especially when you don't speak their language. We coordinate directly with your insurance company's adjuster, including:
Why it matters: Having a roofing professional present during the adjuster's visit significantly increases claim approval rates and settlement amounts.
Insurance claims involve extensive paperwork, specific forms, and strict deadlines. We handle the administrative burden:
Why it matters: Missing deadlines or incomplete paperwork can result in claim denial—even when damage is legitimate.
Insurance adjusters often underestimate damage or use depreciation tactics to reduce payouts. We advocate for full and fair compensation:
Why it matters: Initial insurance estimates are often 20-40% lower than actual repair costs. We fight for what you're owed.
From initial damage discovery through final payment, we manage every step:
Why it matters: Claims can drag on for months. We keep everything moving forward efficiently.
Even after claim approval, payment issues can arise. We ensure you receive your full settlement:
Why it matters: Many homeowners don't know they can recover depreciation or that they're entitled to additional payments for hidden damage.
Contact us immediately after storm damage occurs. We'll schedule a no-cost roof inspection, assess the damage, and determine whether you likely have a valid insurance claim.
What we do: Document all visible damage and provide an initial assessment of claim viability.
If your roof is actively leaking or further damage is likely, we'll provide temporary repairs to protect your home while the claim is processed.
What we do: Tarp damaged areas, secure loose materials, and prevent additional damage that could complicate your claim.
We conduct a thorough inspection and create comprehensive documentation for your insurance company.
What we do: Photograph all damage, create detailed reports, measure affected areas, and prepare documentation packages formatted for insurance submission.
We assist you in filing your claim with your insurance company and ensure all required documentation is submitted correctly and on time.
What we do: Help complete claim forms, submit supporting documentation, and establish the claim timeline.
Your insurance company will assign an adjuster to inspect the damage. We schedule and attend this critical inspection.
What we do: Meet the adjuster on-site, walk through all damage, advocate for full recognition of all issues, and ensure nothing is overlooked.
After the adjuster's inspection, the insurance company provides an initial estimate. We review it carefully and negotiate if necessary.
What we do: Compare the insurance estimate against actual repair costs, identify discrepancies or missing items, and negotiate supplements or revisions as needed.
Once your claim is approved and you've received your settlement, we schedule your roof repair or replacement.
What we do: Finalize project scope, order materials, schedule installation, and coordinate all logistics.
Our experienced crew completes your roofing project to manufacturer specifications and insurance requirements.
What we do: Execute the approved work professionally, document all completed work, and identify any hidden damage that requires supplemental claims.
After work is completed, we help you recover any depreciation holdbacks and finalize all payments.
What we do: Submit completion documentation to your insurance company, request depreciation recovery, and ensure you receive all entitled payments.
We've successfully managed hundreds of insurance claims for Oklahoma City homeowners. We know what insurance companies look for, how adjusters operate, and what documentation is required for approval. Our experience is your advantage.
Xactimate estimates, RCV vs. ACV, recoverable depreciation, code upgrades, matching requirements—we understand insurance industry terminology and processes. You don't have to navigate this complex system alone.
Our thorough documentation and professional advocacy result in higher approval rates and larger settlements. We consistently secure better outcomes than homeowners negotiating alone.
Our insurance claims assistance is included as part of our roofing services. There are no additional fees for helping you navigate the claims process—we succeed when you succeed.
We handle all communication with your insurance adjuster, saving you time, frustration, and the stress of dealing with insurance bureaucracy. You stay informed while we do the heavy lifting.
We keep you informed at every step of the process. You'll always know where your claim stands, what's happening next, and what to expect. No surprises, no confusion.
Time is critical after storm damage. We respond quickly to document damage while it's fresh, meet tight insurance deadlines, and prevent claim complications caused by delays.
As a family-owned, locally operated business, our reputation in Oklahoma City matters. We're invested in this community and accountable to our neighbors. We treat every claim as if it were our own home.
The Problem: Insurance adjusters often provide initial estimates that are significantly lower than actual repair costs, using outdated pricing, excluding necessary work, or failing to account for code upgrades.
How We Help: We provide detailed, accurate estimates based on current material and labor costs, identify missing items or undervalued line items, and negotiate supplements backed by professional documentation
The Problem: Claims may be denied due to insufficient documentation, missed deadlines, claims that damage is pre-existing or due to lack of maintenance, or coverage disputes.
How We Help: We ensure thorough initial documentation to prevent denials, help you understand your policy coverage and limitations, and provide expert testimony when disputes arise.
The Problem: Adjusters may acknowledge only obvious damage while missing hidden issues, minimize the extent of damage, or claim damage is cosmetic rather than functional.
How We Help: Our experienced inspectors identify all damage—visible and hidden, document comprehensive scope to ensure nothing is overlooked, and advocate for full recognition of all legitimate damage.
The Problem: Many homeowners don't understand Recoverable Depreciation (money held back until work is complete), ACV vs. RCV payments, or how to recover withheld funds after repairs.
How We Help: We explain depreciation clearly in plain language, ensure you receive initial ACV payment, and assist with depreciation recovery after work completion to maximize your settlement.
The Problem: When only part of your roof is damaged, insurance companies may resist paying for full replacement even when partial repairs won't match existing materials or create code violations.
How We Help: We document when matching materials are unavailable, demonstrate when partial repairs create aesthetic or functional problems, and advocate for full replacement when appropriate.
The Problem: Roofing codes change over time. Repairs may require upgrades to meet current code, but insurance companies often resist covering these "improvements."
How We Help: We identify all code-required upgrades, document code requirements with official citations, and negotiate coverage for mandatory compliance work.
The Problem: Insurance adjusters are busy and may be slow to respond, use confusing industry jargon, or fail to return calls or emails promptly.
How We Help: We handle all adjuster communication professionally, speak their language fluently, and keep your claim moving forward without delays.
The Problem: After approval, payment problems can still occur including incorrect payment amounts, unreleased depreciation holdbacks, or mortgage company payment complications.
How We Help: We verify all payments against approved estimates, assist with depreciation recovery documentation, and help resolve payment disputes or delays.
Our insurance claims assistance is included as part of our roofing services at no additional charge. We succeed when you succeed, so we're motivated to secure the best possible settlement for your claim.
This depends on your insurance carrier and your claims history. Generally, weather-related claims (hail, wind, tornado) are considered "Act of God" events and may not impact rates as much as other claim types. We recommend discussing this with your insurance agent, but we can say that unrepaired damage can lead to much larger problems and costs down the road.
Most claims are resolved within 4-8 weeks from initial filing to final payment, though complex claims or disputes can take longer. We work efficiently to keep your claim moving forward and minimize delays.
Claim denials can often be appealed or disputed. We'll review the denial reason, assess whether it's justified, help gather additional documentation if needed, and assist with the appeals process if appropriate.
No. You have the right to choose your own roofing contractor. Insurance companies may provide a list of "preferred" contractors, but you're not obligated to use them. Choose the contractor you trust most to do quality work.
Yes! Even if you've already filed, we can still assist. We can review your adjuster's estimate, identify missing items or undervalued work, file supplemental claims for additional damage, and help negotiate a better settlement.
Contact us for a free inspection as soon as possible after a storm. Document damage with photos if safe to do so, make temporary repairs if necessary to prevent further damage (save receipts), and report the damage to your insurance company within their required timeframe (usually within 1 year, but check your policy).
Absolutely! We strongly recommend being present during the adjuster's inspection, and we'll meet them at your property to ensure all damage is properly documented and nothing is overlooked.
This is common. When the old roof is removed, hidden damage often becomes visible. We'll document all newly discovered damage, photograph everything, and file a supplemental claim with your insurance company to cover the additional work.
We'll provide an honest assessment during our free inspection. If we believe you have legitimate storm damage that meets your policy's deductible and coverage requirements, we'll recommend filing. If damage is minor or unlikely to be covered, we'll tell you that too.
We help you understand your policy and recover all entitled funds.
Don't navigate the complex insurance claims process alone. Major Roofing's expert claims assistance ensures you receive fair compensation for your storm damage—without the stress, confusion, or risk of leaving money on the table.
