How Home Insurance Covers Roof Damage in Oklahoma City

When Scott and Julie bought their home in Moore, they knew Oklahoma’s weather could be unpredictable, but they never expected to need a roof replacement just three years later. A severe hailstorm ripped through their neighborhood, leaving behind cracked shingles, leaks, and an expensive repair bill. Their homeowners insurance policy covered some of the costs, but they quickly learned not all roof damage is treated the same.
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If you live in Oklahoma City or nearby areas like Norman, Edmond, or Yukon, knowing how your insurance covers roof damage is essential for protecting your home and your finances.

get the best okc home insurance!

Types of Roof Damage Covered by Home Insurance

A standard home insurance policy typically covers sudden and accidental damage to your roof caused by events like:

• Hailstorms: One of the most common causes of roof claims in Oklahoma
• Wind Damage: High winds can tear off shingles, exposing your home to leaks
• Falling Objects: If a tree limb crashes into your roof, your policy will likely cover repairs
• Fire Damage: A fire that destroys part or all of your roof is covered under most policies

​However, wear and tear or lack of maintenance usually aren’t covered. If your roof is simply old and deteriorating, you’ll likely have to pay for repairs yourself.

Actual Cash Value vs. Replacement Cost Coverage

Not all roof coverage is the same. Your policy may cover repairs or replacement in two ways:

​Replacement Cost CoveragePays for a new roof without deducting for depreciation. This is the best option, but not all policies offer it.

Actual Cash Value (ACV) CoveragePays only the depreciated value of your roof, meaning older roofs get a lower payout. This could leave you paying thousands of dollars out of pocket.

What Can Affect Your Roof Insurance Claim?

Several factors determine how much your homeowners insurance policy will cover:

• Age of Your Roof: The older it is, the less your insurer may pay
• Type of Shingles: Some materials, like metal or impact-resistant shingles, may qualify for insurance discounts
• Previous Claims: Frequent claims can raise insurance premiums
• Proper Maintenance: Regular roof inspections and upkeep can help avoid denied claims

​How to Ensure Your Roof Is Properly Covered

Review Your Policy

Work with an insurance agent to understand whether you have replacement cost or actual cash value coverage.
Consider Impact-Resistant Roofing
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If you’re replacing your roof, look into hail-resistant shingles, which could lower your homeowners insurance rates.
Get a Roof Inspection
Many insurance companies recommend (or require) inspections to verify the condition of your roof before offering full coverage.

Protect Your Home With the Right Coverage

Living in Oklahoma City, Edmond, Norman, and beyond, you know that storms are just part of life. Having the right homeowners insurance policy can mean the difference between a covered claim and a costly repair.
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Oklahoma Insurance Professionals helps homeowners find comprehensive coverage that protects against roof damage and other unexpected disasters. Contact us today for a free policy review to make sure your home is covered when you need it most.

get the best okc home insurance!

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Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. We can help you find the coverage you need. ​