What your policy probably says
Your declarations page is the authority here, not us — but standard Oklahoma homeowner’s policies follow a familiar pattern.
- Sudden storm damage is a covered perilHail and wind damage are covered under a standard policy. You pay your deductible; the carrier pays the rest of a covered replacement.
- Notice is expected promptlyMost policies require you to report damage “as soon as practicable” or inside a stated window. Delay is one of the more common reasons a legitimate claim gets denied.
- Wind and hail often have their own deductibleFrequently a percentage of the insured value rather than a flat figure, and higher than your standard one. Worth knowing before you file, not after.
- Cosmetic-damage exclusions are increasingly commonSome Oklahoma policies now exclude marking that doesn’t affect function. This is exactly the sort of thing an inspection settles before you start a claim.
Why the inspection comes before the claim
Filing blind is the expensive mistake. A claim that gets denied still sits on your property’s claims history, and it can follow you to your next renewal for nothing in return.
Thirty minutes and a camera tells you which situation you’re actually in — before you pick up the phone to your carrier.
Most of the roofs we inspect don’t need replacing.
That isn’t modesty, it’s what the inspections find. After a hailstorm, the majority of roofs we get on have some cosmetic marking, an aging shingle or two, and nothing an insurer would pay to replace.
Hail damage is genuinely hard to judge from the ground. A roof can look untouched and have bruised shingles underneath. It can look beaten up and be perfectly sound. The only way to know is for someone to get on it with a camera.
If your roof is fine, we tell you it’s fine, send you the photos, and leave. There’s no charge, and there’s nothing for you to turn down.
What you get
- A 30-minute inspection on the roofNot a look from the driveway. We walk every slope that’s safe to walk.
- Date-stamped photographsEvery slope, plus close-ups of any impact points, with the date the images were taken.
- A written summary in plain EnglishWhat we found, where, and whether it’s the kind of damage carriers typically pay for — laid out so you can attach it to a claim.
- A clear recommendationFile a claim, keep an eye on it, or do nothing at all. We’ll tell you which one and why.
What we won’t do
- We won’t ask you to sign anything at the inspection. No contingency agreement, no “just sign this so we can get started on the paperwork.”
- We won’t tell you that you need a new roof when you don’t. Nobody here earns a commission on an inspection.
- We won’t call your insurance company or file anything on your behalf. The claim is yours, and so are the photos.
- We won’t keep calling you. One call to confirm your time, the report by email, and that’s the end of it unless you get in touch.
Request your inspection
Tell us where the house is and how to reach you. We’ll call once to confirm a time — most inspections happen within two or three days of the request.
Your details go to our office and nowhere else. We don’t sell them, and we don’t pass anything to an insurance company.
Already requested an inspection? Pick your time →
Two things homeowners ask first
“Will filing a claim put my premium up?”
A weather claim isn’t treated like an at-fault one, and a hailstorm that hit your street hit everyone else’s too — rates in a storm-affected area tend to move regardless of whether you personally claimed. What we can tell you is whether you have damage worth claiming on, which is the part you can actually control.
“Is the inspection really free?”
It’s free, and the catch you’re bracing for is a sales pitch on your porch. There isn’t one. We inspect a lot of roofs after a storm because a share of them do need work — and the fastest way to lose that work is to be the company that overstates damage.