Should I Call a Roofer or My Insurance Company First?

Oklahoma storms can bring fierce winds, hail, and tornadoes that cause significant damage to homes, especially roofs. Navigating the insurance claim process after a storm can be tricky, but the good news is that you don’t have to do it alone. It’s often in your best interest to call an experienced roofing contractor—like Arrowhead Roofing—before contacting your insurance company. We’ll guide you through the process and help you get the best possible outcome. Here are four tips for navigating insurance claims after storm damage.

1. Call an Experienced Roofing Contractor FIRST

After a storm, your first instinct might be to call your insurance company immediately. However, it’s usually more beneficial to first call a professional roofing contractor like Arrowhead Roofing. Here’s why: as experts in storm damage, we can thoroughly inspect your roof and property, assessing the full extent of the damage. By getting an accurate, professional evaluation before involving your insurance company, you’ll be better prepared to present a solid claim and avoid underestimations.

When you call Arrowhead Roofing, we’ll inspect your roof and help document the damage properly, ensuring all necessary repairs are accounted for. This way, when you contact your insurance provider, you’ll have a detailed report to support your claim, which can help maximize your compensation.

2. Document the Damage Thoroughly

Even though we recommend calling a roofing contractor first, it’s still important for you to document the damage as soon as it’s safe to do so. Take photos and videos of all affected areas—roof, gutters, siding, windows, and any interior damage resulting from leaks. Your roofing contractor can help you take this further with detailed notes about the damage and its severity. We will help you document with photos if needed and with permission.

This documentation serves as essential evidence when filing a roof insurance claim. Having thorough records, including any photos you’ve taken and the professional assessment from Arrowhead Roofing, will make it harder for your insurance company to dispute the damage.

3. Let Your Roofing Contractor Handle Insurance Adjusters

When you eventually file a claim with your insurance company, they will send an adjuster to assess the damage. However, adjusters work for the insurance company, and their initial estimates may not fully cover the necessary repairs. This is where having Arrowhead Roofing by your side can make all the difference.

As experts in storm damage and insurance claims, we’ll work directly with your insurance adjuster to ensure all damage is accounted for. We know what to look for, including any hidden or structural issues that might be missed during a quick inspection. By allowing us to represent your interests, we can advocate for a more accurate and comprehensive assessment, which helps ensure you get the compensation you deserve.

4. Understand Your Policy and Deductibles

You must understand the details of your insurance policy before you file a claim. Many Oklahoma homeowners are caught off guard by the specifics of their coverage—especially when it comes to storm damage deductibles, which often differ from general homeowner deductibles.

Arrowhead Roofing can help explain how your policy applies to the damage we find. For instance, many policies in Oklahoma have higher deductibles for wind and hail damage. Understanding this ahead of time will help you prepare financially for the repair process and avoid any surprises when the claim is processed. We can also help you review the scope of your policy to ensure that the damage estimate aligns with what your policy covers.

Roofer to Help with Insurance Claim

Dealing with storm damage is stressful, but you don’t have to face the insurance claim process alone. By calling Arrowhead Roofing first, you can rest assured that you’re getting expert advice from the start. We’ll inspect your roof, document the damage, work with your insurance adjuster, and ensure you get the compensation you need to restore your home.

At Arrowhead Roofing, we’ve helped countless Oklahoma homeowners navigate the complexities of insurance claims and storm damage repair. With over 400 five-star reviews and decades of experience, you can trust us to protect your home and confidently guide you through the process. Click here to book your professional inspection and assistance with your insurance claim.

Call Arrowhead Roofing first—your expert partner in storm damage and insurance claims.