Hail Damage and Roof Claims: What Homeowners Need to Know in Oklahoma🧊

Big storms with hail are a part of life in Oklahoma — especially in places like Moore, South OKC, and Edmond. These severe thunderstorms can cause major roof damage, even if it’s not visible right away. But when that hail hits your home, what happens next? Should you worry? And how does your homeowners insurance policy come into play?

Here are 3 important things every homeowner should know after a weather event like a hailstorm.

• Hail Can Damage Your Roof (Even If You Can’t See It)
• Not All Insurance Covers Roof Damage the Same Way
• You Only Have So Much Time to File a Claim
  

  

1. Hail Can Damage Your Roof (Even If You Can’t See It)

After a hail storm, your roof might look just fine from the ground. But that doesn’t mean everything is okay. Hail damage can:

• Crack your asphalt shingles
• Knock off protective granules, causing granule loss
• Create dents or soft spots that weaken roofing materials
• Damage metal roofs and loosen roofing shingles

Even a small crack can lead to roof leaks later on. Those leaks can cause serious water damage to your ceilings, walls, and even flooring. By the time you notice a stain, the roof repair could be more expensive — and your home insurance claim might be denied.

In Moore, we see storm damage every year, and many people don’t find out their roof is damaged until it’s too late to file a roof insurance claim.

Best advice: Schedule regular roof inspections with a professional roofing contractor or talk to an insurance agent. A quick inspection now could save you thousands in repair costs later — especially if you need a full roof replacement.

2. Not All Insurance Covers Roof Damage the Same Way

Let’s say your roof is damaged. You call your insurance company to start the claim filing process — but then find out they’re only covering part of the roof replacement. Why?

Because every insurance policy is different.

Some offer Replacement Cost Coverage, which pays for the full price to fix or replace the roof. Others offer Actual Cash Value (ACV), which subtracts depreciation based on the roof’s age. If your roof is over 10 years old, your insurance claim payout could be much lower than expected.

Also, in places like South OKC and Edmond, many homeowners insurance policies have special insurance deductibles just for hail damage or storm damage. These deductibles may be higher than your standard one.

Tip: Ask your insurance agent whether your policy includes Replacement Cost Value (RCV) or ACV. The difference could be thousands of dollars.

Be sure to review your coverage limits and speak to an insurance adjuster if you have questions. Understanding your insurance coverage ahead of time can help you avoid surprises later in the claims process.

3. You Only Have So Much Time to File a Claim

After a severe thunderstorm or hailstorm, you don’t have forever to file an insurance claim.

Most insurance companies give you 6 months to 1 year to report roof hail damage. If you wait too long, your roof insurance claim could be denied — even if the roof damage is obvious.

In Edmond, one homeowner waited almost a year to file — and their insurance claim was denied because it was filed too late.

Each company has its own rules, and some require proof that the roof damage came from a specific weather event. That’s why it’s smart to:

• Take pictures of hail damage repair needs
• Document fallen tree limbs, dents, or roofing shingle damage
• Contact your insurance agent or insurance adjuster
• Ask about trusted roofing contractors and approved roof inspectors
• Keep copies of weather alerts and your homeowner’s insurance policy

Even if you’re not sure your roof is damaged, get it checked. A quick call can protect your home — and help you through the insurance claims process from start to finish.

Have Questions About Roof Coverage or Hail Claims?

We’re here to help! Whether you live in Moore, South OKC, Edmond, or anywhere in Oklahoma — our local team is ready to walk you through the claim process, explain your insurance coverage, and connect you with trusted roofing companies.

• Click Here to get a free home insurance quote! 
• Give us a call at (405) 321-4664 — we’re happy to answer any questions about your roof insurance claim, policy options, or next steps.

Frequently Asked Questions