Step 1: Check Your Policy and Deductible First
Before you call anyone, pull out your homeowners policy. Look for three things: your deductible, whether your roof is covered at replacement cost or actual cash value, and any separate wind or hail deductible.
Actual cash value policies subtract depreciation, so an older roof may pay out far less than a new one costs. Some policies also set a time limit for reporting storm damage. Know these numbers now so the settlement does not surprise you later.
Step 2: Document the Damage Safely
Stay off the roof. You can gather plenty of evidence from the ground and from inside.
- Photograph missing shingles, dented gutters, damaged vents, and debris in the yard.
- Take pictures of water stains on ceilings and walls, and any wet insulation in the attic.
- Write down the date and type of storm.
- Keep receipts for tarps or emergency fixes that limit further damage.
Most policies expect you to take reasonable steps to prevent more damage, so a temporary tarp is usually worth it.
Step 3: Get a Roofing Inspection
A roofing pro can climb up and spot hail bruising, lifted shingles, and flashing damage you cannot see from the yard. Some independent providers may also help document the damage in a way that is useful for your claim. Ask what they offer and what they charge before they start.
ClaimReady Roofing connects homeowners with independent local roofing providers at no cost to you. When you call, you speak directly with a local provider about your roof and next steps. Timing depends on the provider and your area.
Step 4: File the Claim and Meet the Adjuster
Contact your insurer through its claims line, app, or website. Have your policy number, photos, and storm date ready. You will get a claim number. Write it down and use it every time you call.
The insurer will send an adjuster to inspect the roof. If your roofing provider offers it, having them present can help make sure nothing gets overlooked. Walk the adjuster through your photos and the interior damage.
Step 5: Review the Estimate and Plan Repairs
The adjuster's estimate lists what the insurer agrees to pay for. Compare it line by line with your roofer's estimate. Look at shingle type, square footage, underlayment, drip edge, and vents. If something is missing, you can ask the insurer to review it, ideally with supporting documentation.
Once you accept the settlement, schedule repairs with the provider you choose. If you are in central Oklahoma, see our page on Roofing in Oklahoma City, OK. Keep every invoice, since replacement cost policies often release the remaining payment only after work is finished.