How Insurance Helps You Get a New Roof

John and Sarah moved to Oklahoma City, which they had proudly called for a few years before it really started to show signs of wear and tear, especially on the roof. With each passing storm, more and more shingles went missing, and water leaks began to infiltrate their interior. John and Sarah realized that it was time to get a new roof before any major damage occurred.

You never know when major damage will enter into the picture.
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Here in Oklahoma City, it always seems to be on our minds. Specifically, how insurance can help you get a sturdy new one when life (or the weather) decides to throw hailstones the size of baseballs at your current rooftop.

The Roof Over Your Head ​

Your roof is like the unsung hero of your home. It doesn’t get as much attention as the kitchen or the living room, but boy, does it do a lot! It keeps you dry during those Oklahoma thunderstorms, shields you from the scorching summer sun, and even helps keep your home cozy during those chilly winter nights.
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But what happens when your trusty roof starts showing signs of wear and tear? Or worse, when a storm decides to give it a not-so-gentle nudge? That’s where your insurance steps in, like a superhero ready to save the day.

Understanding Your Homeowner’s Insurance Policy

John and Sarah were relieved to know that their homeowner's insurance policy would help them with the cost of getting a new roof. However, they knew they had to understand their policy to make sure they were eligible for coverage.

First things first, let’s get to know your homeowner’s insurance policy. This is your contract with the insurance company that covers your home and belongings against certain risks. Think of it as a safety net, ready to catch you when life decides to get a bit unpredictable.
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Most standard homeowner’s insurance policies cover damage to your roof caused by events like:

• Storms: Oklahoma is no stranger to severe weather. From hailstorms to tornadoes, these natural events can wreak havoc on your roof.
• Fire: Should a fire break out, your insurance will cover the damage to your roof, along with other parts of your home.
• Falling Objects: This includes things like tree branches or other debris that might crash down during a storm.

However, it’s important to note that wear and tear due to age or lack of maintenance is typically not covered. This means if your roof is simply old and needs replacing, that’s on you. But if a storm blows through and causes damage, you’re likely covered.

Step-by-Step: Filing an Insurance Claim for Roof Damage

Now, let’s walk through the process of getting your insurance to help you with a new roof. Here’s a step-by-step guide to make it as smooth as possible.

Step 1: Assess the Damage

After a storm or any event that might have damaged your roof, your first task is to assess the damage. You can do this yourself if it’s safe, or hire a professional to inspect it for you. Look for things like missing shingles, dents, cracks, or leaks.

Step 2: Document Everything

This is crucial. Take photos and videos of the damage from multiple angles. This documentation will be vital when you file your claim. The more evidence you have, the better.
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Step 3: Contact Your Insurance Agent

Give us a call! We’re here to help. Contact your insurance agent as soon as possible to start the claims process. We’ll guide you through what needs to be done and answer any questions you might have.

Step 4: File the Claim

Your agent will help you file the claim with your insurance company. This typically involves filling out some forms and submitting your documentation of the damage. Be honest and detailed in your descriptions.

Step 5: Meet the Adjuster

Once your claim is filed, an insurance adjuster will be sent to your home to inspect the damage. They’ll assess the extent of the damage and determine the cost of repairs or replacement. Make sure you’re available to answer any questions and provide additional documentation if needed.

Step 6: Get Estimates

While waiting for the adjuster’s report, it’s a good idea to get estimates from reputable roofing contractors. This will give you an idea of how much the repairs or replacement will cost and help you make informed decisions.

Step 7: Review the Settlement

After the adjuster has completed their assessment, you’ll receive a settlement offer from your insurance company. This offer will detail how much they’re willing to pay for the repairs or replacement. Review it carefully and make sure it covers all necessary repairs. If you have any concerns or believe the offer is too low, don’t hesitate to discuss it with your agent.

Step 8: Schedule the Work

Once you’ve accepted the settlement, it’s time to schedule the work with your chosen roofing contractor. Make sure they’re aware of the insurance settlement details and any specific requirements.

Tips for a Smooth Claims Process

To ensure your roof replacement goes as smoothly as possible, here are a few tips:

• Maintain Your Roof: Regular maintenance can prevent minor issues from becoming major problems. Keep your roof clean, check for damage regularly, and address any issues promptly.
• Know Your Policy: Familiarize yourself with the specifics of your homeowner’s insurance policy. Knowing what’s covered and what’s not can save you a lot of headaches.
• Keep Records: Maintain records of any repairs or maintenance work done on your roof. This documentation can be helpful if you need to file a claim.
• Choose Reputable Contractors: Work with licensed and insured roofing contractors. Check reviews and ask for references to ensure you’re hiring a reliable professional.

John and Sarah followed these steps and tips to navigate the insurance claims process smoothly. They maintained their roof by conducting regular inspections and promptly addressing any issues. This helped them catch the hail damage early on and prevented further deterioration.

Why Choose Oklahoma Insurance Professionals?

At Oklahoma Insurance Professionals, we’re not just about policies and premiums. We’re about people—our neighbors, our community. We understand the unique challenges that come with living in Oklahoma City, and we’re here to help you navigate them.

Our team is dedicated to providing personalized service and expert advice. Whether you’re dealing with roof damage or simply want to review your coverage, we’re here for you every step of the way.

As an independent insurance agency, we can provide more options than captive agencies, and make sure we fit coverage to your needs.

Your roof is an essential part of your home’s protection, and when it’s damaged, you need to act quickly and effectively. With the right homeowner’s insurance policy and a little know-how, you can navigate the claims process and get your roof back in top shape.

If you have any questions about your policy or need assistance with a claim, don’t hesitate to reach out to us at Oklahoma Insurance Professionals. We’re here to help you weather any storm and keep your home safe and secure.
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So, the next time a storm rolls through, remember—you’re not alone. With Oklahoma Insurance Professionals by your side, you can rest easy knowing you’ve got a team ready to help you protect your home, one shingle at a time.

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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. ​​