And What Homeowners in Moore, Norman, and OKC Need to Know

Have you ever looked at your homeowners insurance policy and wondered,
“Why isn’t my roof fully covered anymore?”
Or maybe your neighbor told you they had to shell out thousands after filing a roof damage claim following a hailstorm in Moore?

Well, you’re not imagining things. Across Oklahoma City, Norman, and Moore, homeowners are noticing big changes when it comes to roof coverage and insurance claim payments.

Let’s break it down—with real stories, simple tips, and insights from local roofing companies—to explain why it’s happening and what you can do about it.

1. 🌩️ Storms Are Beating Up Our Roofs—and Our Wallets

If you’ve lived in Moore for more than five minutes, you’ve seen how fast the sky can turn scary. Hail damage, high winds, and severe weather events are common here.

Take Lisa, for example. Last summer in South OKC, her entire roof got hammered by golf-ball-sized hail. The storm damage was severe. Her insurance company paid the claim, but not without a headache—and not without a large deductible.

Because of the rising number of roof damage claims, insurers are trying to limit their losses by:

• Raising wind insurance policy deductibles 

• Offering less money for older roofs 

• Excluding cosmetic damage (those little dings don’t count anymore) 

It’s kinda like letting your little brother borrow your skateboard after he already broke it twice. 🛹 Eventually, you say, “Not again!”

2. 🏚️ Old Roofs = Big Risk

A lot of homes in Norman were built in the ’90s or early 2000s—and guess what? That makes their roof age 20+ years. And when a type of roof reaches the end of its life expectancy, insurance companies start getting nervous.

My uncle in OKC found this out the hard way. His roof inspection showed serious wear and tear. When a storm hit, the insurance claim only paid a fraction—because the roof was so worn out.

💡 Pro tip: Keep up with preventative maintenance. Schedule regular roof inspections, repair roof leaks, and consider a roof upgrade before the next round of severe storms.

3. 📍 Your ZIP Code Tells a Story

If you live in Moore, you already know you’re in Tornado Alley. 🌪️ The Oklahoma Insurance Department even tracks areas most impacted by damage to homes caused by wind and hail.

In ZIP codes with frequent claims for roof damage, like Moore, Norman, and parts of Oklahoma City, insurance companies will:

• Use data to adjust insurance rates 

• Require higher deductibles (sometimes 1–2% of your home’s value!) 

• Limit insurance coverage or add paperwork to the claims process 📄
  

So yes, someone 10 minutes north might pay less—just because their street has fewer severe weather events.

4. 🧱 Not All Roofs Are Built the Same

Different types of roofs perform differently in Oklahoma’s weather. Some just aren’t up for the challenge.

For example:

• Wood shakes = fire hazard and bug problems 

• Flat roofs = poor drainage and frequent roof leaks 

• Old asphalt shingles = brittle and prone to storm damage 

• Mobile homes = often require specialized insurance policies
  

If your home in Norman or OKC has one of these riskier roof types, insurers might increase insurance premiums, limit coverage, or even deny your policy.

💡 Want better protection? Consider hiring trusted roofing companies to install impact-resistant or sloped roofs with better durability.

5. 💸 Everything Just Costs More Now

Back in 2020, a roof replacement might’ve cost around $10,000. Now, thanks to rising materials and labor costs, it’s more like $15,000–$20,000. That’s a big jump.

To handle the rising costs of structural damage, insurers are adjusting:

• Deductibles for roof replacement 

• Payout options like replacement cost coverage vs. actual cash value 

• Coverage limits based on roof age and condition 

So if your roof is old, and your area sees frequent storm damage, your insurance claim payment might be less than you expect—unless you’ve upgraded your policy.

✅ What You Can Do (Without Losing Sleep)

Living in Oklahoma means weather is always a wild card—but that doesn’t mean you’re powerless. Here’s what smart homeowners across Moore, Norman, and OKC are doing:

✅ Keep your roof clean and schedule roof inspections regularly
✅ Replace worn-out roofs before the next severe storm
✅ Use modern materials that match your type of roof
✅ Ask your agent exactly what’s included in your insurance policy
✅ Choose local—because we understand Oklahoma homes better than anyone

Need Help? Let’s Talk!

At Jim Holmes Insurance, we live here too. We know what it’s like when storm season rolls in. Whether you’re dealing with claims for roof damage, upgrading a roof on a mobile home, or just shopping for lower insurance premiums, we’re here to help you protect what matters most.

📞 Call Jim Holmes Insurance at (405) 321-4664 — your trusted independent homeowne  rs insurance company
🌐 Visit: www.jimholmesinsuranceok.com

👉 Click here for an insurance quote today!