Storm & Insurance Restoration
Hail or wind damage? Here’s exactly how a roof insurance claim works in Oklahoma — and how we guide you from free inspection through final cleanup. We work directly with your adjuster.
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Let's clear this up, because it matters. Elrod Roofing is a licensed Oklahoma roofing contractor — not a public adjuster. We don't file your claim for you or negotiate your settlement (in Oklahoma, only a licensed public adjuster can do that). What we do is the part homeowners actually need: inspect your roof for free, document the damage properly, meet your insurance adjuster on the roof, and replace the roof correctly once your claim is approved. Most homeowners searching for "a roof adjuster" really just need a straight answer about whether they have a claim and a roofer who'll handle it from there. That's us.
The Timeline
Money Terms
Most Oklahoma policies carry a separate wind/hail deductible of 1–2% of your home's insured value — not a flat dollar figure. On a $300,000 home, a 1% deductible is $3,000. You pay the deductible; insurance pays the approved balance.
One warning: in Oklahoma it is illegal for a contractor to waive, rebate, or "eat" your deductible. Anyone who offers to is breaking the law and likely cutting corners somewhere else. We won't do it, and you shouldn't trust anyone who does.
ACV vs. RCV: Actual Cash Value pays the depreciated value of your old roof up front. Replacement Cost Value pays the full replacement cost — usually an initial ACV check, then the held-back depreciation released after the job is done. Check which one your policy uses; it changes how much you receive and when.
Why It Helps
Adjusters move fast and cover a lot of roofs. When a knowledgeable roofer is on the roof with them — pointing out test squares, bruising patterns, and code items — the scope tends to come back more complete and accurate. We're not there to argue; we're there to make sure the damage that's actually present is the damage that's documented. That's the difference between a claim that covers a proper ForeverShield™ replacement and one that leaves you short.
We serve homeowners across the OKC metro — Edmond, Oklahoma City, Yukon, Piedmont, Moore, and Arcadia — and we handle the storm-restoration process from that first free inspection through final cleanup.
We'll tell you honestly whether you have a claim — then handle it from inspection to final ridge line. We work directly with your adjuster.
Get a Free Inspection →Or call / text Steven directly: (405) 766-3601
Oklahoma law (36 O.S. § 1250.5) generally gives homeowners up to two years from the date of loss to file a wind or hail claim, but you should not wait. File as soon as you have documented damage. Your insurer then has 30 days to acknowledge the claim and, after receiving proof of loss, 45 days to accept or deny it. Elrod Roofing can inspect your roof for free and document the damage before you call your carrier.
Yes. A free professional inspection tells you whether you actually have claimable storm damage before you open a claim that could affect your premium. Elrod Roofing documents damage with 25+ dated photos, test squares, and measurements, so when the adjuster arrives there is a clear, complete record. We are roofers, not public adjusters — we do not file or negotiate your claim for you, but we provide the documentation and meet the adjuster on site.
Most Oklahoma policies carry a separate wind/hail deductible of 1–2% of your home's insured value, not a flat dollar amount. On a $300,000 home a 1% deductible is $3,000. You pay the deductible; insurance pays the approved balance to replace the roof. It is illegal in Oklahoma for a contractor to waive, rebate, or absorb your deductible, so be wary of anyone who offers to.
Actual Cash Value (ACV) pays the depreciated value of your old roof up front. Replacement Cost Value (RCV) pays the full cost to replace it, usually in two parts: an initial ACV payment, then the recoverable depreciation released after the work is completed and invoiced. Check which one your policy uses — it changes how much you receive and when.
Yes. We meet your adjuster at your home, walk the roof together, and provide our documentation so the scope of damage is accurate. We handle supplements when the adjuster's estimate misses code-required items. We are a licensed Oklahoma roofing contractor handling the repair — not a public adjuster — so we focus on getting your roof replaced correctly once the claim is approved.