Roof Insurance Claims
Roof Insurance Claims in Oklahoma: We’ll Help You Get What You Deserve
Oklahoma storms don’t hold back. When hail, wind, or severe weather damages your roof, your homeowner’s insurance should cover the cost to restore it — but getting a fair outcome isn’t always as simple as filing a form and waiting. At McCann’s Roofing and Construction, we’ve helped hundreds of Oklahoma homeowners navigate the insurance claim process, and we know exactly what it takes to make sure nothing gets missed. We’re here to walk beside you every step of the way, from the first inspection to the final sign-off.
Schedule Your Free Roof Assessment
Not sure if your roof has damage? We’ll take a look, document what we find, and give you honest answers — at no charge.
Your Insurance Company Has a Different Goal Than You Do
This isn’t a knock on your insurance company. It’s just an honest look at how the system works.
Your goal after a storm is to get your roof fully restored to the condition it was in before the damage. Your insurance company’s goal is to manage costs. Those two things aren’t always perfectly aligned — and that gap is where homeowners sometimes lose out.
If you go through the claims process without someone who truly understands roofing in your corner, you might not realize that damage was missed, misidentified, or undervalued. By the time you notice, the claim window may have already closed.
That’s where McCann’s comes in. We’re not here to fight your insurance company — we’re here to make sure you get a fair, honest outcome. We document the damage thoroughly, we know the difference between covered storm damage and normal wear and tear, and we communicate clearly with your adjuster so nothing falls through the cracks.
Why McCann’s
Why Having an Experienced Roofer Alongside Your Adjuster Matters
One thing we see more often than you’d expect: insurance adjusters who aren’t roofing specialists. After a major storm event in Oklahoma, insurance companies sometimes bring in adjusters from other regions or other departments to handle the rush of claims. These adjusters may have limited experience with the specific types of damage that Oklahoma hail and wind cause.
Here are a few things that can go wrong without an experienced roofer present:
McCann’s has been working through Oklahoma insurance claims for over 30 years. When we walk your roof with your adjuster, we know what to point out, how to document it, and how to make sure the full scope of covered damage is on the table. If you’d like to learn more about the types of damage we typically find, visit our storm damage services page.
Watch Out for Door-to-Door Roofers After a Storm
After every major storm in Oklahoma, out-of-town roofing contractors show up in neighborhoods, knocking on doors and offering to file claims on your behalf. We want to be straight with you: this is something you should approach with real caution.
Here are red flags to watch for:
McCann’s has been part of the Edmond and Oklahoma City community for over 30 years. We don’t knock on doors. We don’t chase storms. When you call us, it’s because you chose to — and we take that trust seriously. We’re licensed, insured, GAF Master Elite certified, and A+ rated with the BBB.
How McCann’s Handles Roof Insurance Claims
We’ve worked through enough Oklahoma insurance claims to know that a clear, well-documented process is what gets homeowners the best outcomes. Here’s how we handle it:
Why Oklahoma Homeowners Trust McCann’s for Insurance Claims
There are a lot of roofing companies in Oklahoma. Here’s what makes McCann’s different when it comes to insurance claims:
Roof Insurance Claims FAQ
Does homeowner's insurance cover hail and wind damage in Oklahoma?
In most cases, yes. Standard homeowner’s insurance policies in Oklahoma cover sudden storm damage from hail, wind, and other weather events. However, policies vary — some have separate wind and hail deductibles, and coverage can depend on your roof’s age and condition. The best way to know what’s covered is to call your insurance company and then have an experienced roofer inspect the damage before the adjuster visit.
The best way to know for sure is to have our team take a look. We offer free, no-pressure inspections so you can get a clear and honest number without any guesswork.
What's the first thing I should do after storm damage?
Don’t wait. Call your insurance company to report the damage and get a claim started, and then schedule a roof inspection with a licensed local roofer before the adjuster arrives. Having your own documentation in hand when the adjuster comes is one of the best things you can do for your claim.
For more information, visit our Roof Insurance 101 page.
Do I have to use the roofer my insurance company recommends?
No. You have the right to choose your own roofing contractor. Your insurance company will pay for the covered scope of work regardless of which licensed contractor you use. You’re not obligated to use a company your insurer suggests.
What if my claim is denied or the payout seems too low?
You have options. A denied or underpaid claim isn’t necessarily the final word. You can request a re-inspection, provide additional documentation, or ask for a second opinion from an independent adjuster. McCann’s can help you understand what was missed and what your next steps might be. In some cases, a [roof repair](/roof-repairs/) or partial replacement can also be approved after a supplemental claim.
Will filing a roof insurance claim raise my rates?
It depends on your policy and your history with your insurer. A single weather-related claim typically has less impact on your rates than an at-fault claim, but policies vary. We’d encourage you to ask your insurance agent directly about how a claim would affect your specific policy before you decide how to proceed.
If your roof took a hit, let’s start with a free, honest inspection. We’ll document what we find, walk you through your options, and help you understand exactly what the process looks like — no pressure, no surprises. Schedule your free inspection today and let McCann’s go to work for you.