Home Insurance in Oklahoma City: Is Your Roof Fully Covered After a Hailstorm?

Last May, a family in Norman heard the familiar sound of hail pounding their roof. The next morning, they spotted cracked shingles, dented gutters, and small leaks forming inside. They filed a claim with their insurance, expecting full coverage—only to learn their older roof was covered under actual cash value, not replacement cost. The payout barely scratched the surface of the repair bill.

Oklahoma City homeowners face one of the highest risks for hail damage in the country. But many don’t realize their policy may not cover their roof the way they think.

our home insurance policies cover OKC!

How Roof Coverage Works in Home Insurance

Not all roof damage is treated equally by insurance policies. Coverage depends heavily on the type of protection you’ve chosen.

​Here are the main categories homeowners encounter:

• Replacement cost policies that pay for new materials to rebuild your roof
• Actual cash value (ACV) policies that subtract depreciation for age and wear
• Policies with age-based restrictions that reduce or deny coverage once a roof reaches 10–15 years old

Why Hail Is a Big Deal in Oklahoma

Hail isn’t just a cosmetic nuisance—it can shorten the life of your roof and lead to costly leaks. For residents of Oklahoma City, Moore, and Edmond, hailstorms aren’t rare events but yearly occurrences.

​The main risks hail causes are:

• Frequent damage that adds up year after year
• Hidden problems like cracked shingles and dented flashing that worsen over time
• Rising replacement costs due to inflation in materials and labor

How to Protect Your Home Before the Next Storm

Being proactive can make all the difference in how your roof holds up—and how your insurance pays out. A quick review of your policy and roof condition can save you from surprises.
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Steps to take now include:

• Reviewing your home insurance policy to confirm roof coverage terms
• Scheduling a professional inspection to document roof condition before a storm
• Asking your insurance agent whether replacement cost coverage is available
• Considering higher limits if construction costs have risen in your area

​Get Help From a Local Insurance Expert

Roof damage from hail is one of the most common claims in Oklahoma, but it’s also one of the most misunderstood. Don’t wait until after the next storm to find out your policy won’t pay enough.
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At Oklahoma Insurance Professionals, we help homeowners in Oklahoma City and surrounding areas review their coverage and prepare for real risks like hail. As an independent agency, we’ll walk you through your options and make sure your roof—and your home—are properly protected.

Reach out today for a home insurance review and get the peace of mind that your roof is covered before the next storm season hits.

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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. ​