Residential Storm Damage Roof Repair in Tulsa, OK
If a hailstorm or high wind has come through and you are worried about your roof, the contractor you choose in the next few days will have more to do with what your insurance pays than almost anything else. Not because anyone is being difficult, but because a claim gets paid on what was documented, and most of the damage on a residential roof after a hailstorm is not visible from your driveway.
Decor Roofing and Restoration has been repairing and replacing storm damaged roofs for Tulsa area families since 1987, out of our own shop in Bixby. Our inspector is HAAG certified, which means the assessment protocol we use is the one the insurance industry treats as its professional standard. We document everything in Xactimate, the same software your adjuster uses, and we meet the adjuster at your house.
The inspection is free, the documentation is free, and the adjuster coordination is free. You pay your deductible. Call (918) 382-7663.
What Hail Actually Does to a Shingle Roof
Homeowners often look up after a storm, see no missing shingles, and assume the roof is fine. Hail damage on asphalt shingles rarely looks like a hole. It looks like this.
- Granule loss. The coloured granules are the shingle’s sunscreen. Once hail knocks them off, the asphalt mat underneath is exposed to ultraviolet light and begins aging rapidly. You often see the evidence as granules collecting in your gutters and at downspout splash blocks.
- Bruising. The hailstone fractures the mat beneath the surface without breaking through. It feels soft, like a bruise on fruit, and it is largely invisible to the eye. A bruised shingle will crack along that fracture within a season or two.
- Cracked mat layers. Larger stones split the shingle body itself, which is the failure that leads to an actual leak the fastest.
- Damaged ridge and hip caps. These take the hardest impacts because they sit highest and have the least support beneath them, and they are the most commonly missed items on an inspection.
- Wall to roof flashing and vent damage. Bent or displaced flashing at chimneys, walls and pipe boots is a leak path even when the field of the roof is intact.
There is also damage that has nothing to do with the roof and gets left off claims constantly. Bent condenser fins on your air conditioning unit, dented gutters, damaged fascia and soffit, and screens and window wraps are all commonly covered items.
Why HAAG Certification Changes What Your Claim Pays
HAAG Engineering developed the damage assessment protocols that the insurance industry uses as its professional standard. When a HAAG certified inspector documents your roof, the methodology itself is not in dispute, because it is the same one the carrier’s own people are trained on.
That matters because of how residential claims actually get underpaid. An adjuster who does not get on the roof, or who walks it quickly, will not find bruising. Bruising is felt, not seen. If it is not in the report, it is not in the settlement, and you find out two years later when the roof starts leaking and the storm is long past being claimable.
Our inspector spends the time to find every covered item, marks it, photographs it, and records where it is on the roof. Then we produce the scope in Xactimate, which is the software your adjuster writes estimates in, so the two documents can be compared line for line instead of argued about.
How the Claim Process Works With Us
Free inspection
We come out, walk the roof, and tell you honestly whether you have storm damage worth filing on. If you do not, we will say so. There is no charge either way and no obligation.
Documentation
Every covered item is photographed and located, and the scope is written in Xactimate. You get a copy.
You file the claim
You contact your carrier and open the claim. We will tell you what to say and what date of loss to reference, but the claim is yours and stays in your name.
We meet your adjuster at the house
This is the step that matters most and the one most contractors skip. We are on the roof with the adjuster, walking the damage together, with our documentation in hand. Items get agreed on site rather than disputed by email over the following weeks.
Repair or replacement
Once the claim is approved we do the work, whether that is a repair or a full replacement. We handle the supplement process if the adjuster missed something that turns up during the tear off.
Final documentation
Completion paperwork and warranty documentation for your files and for recovering any depreciation your policy holds back until the work is finished.
All of the inspection, documentation and adjuster coordination is included at no charge with a project we complete. We are a roofing and restoration contractor rather than a public adjuster, so the settlement decision stays between you and your carrier. What we control is that nothing goes undocumented.
Choosing a Contractor After a Tulsa Storm
Within a day or two of any significant hail event, out of state crews arrive in the Tulsa metro and start knocking on doors. Some are legitimate. Many are gone within 90 days, and the workmanship warranty they wrote you goes with them.
- Ask where the company is physically located and how long it has been there. Ours is 3023 E 151st St S in Bixby, and we have been in business since 1987.
- Ask for the Oklahoma roofing contractor registration number. Ours is 80000473. You can verify it.
- Ask who will honour the workmanship warranty in five years and whether that company will still exist.
- Be careful with anyone who offers to cover your deductible. That is insurance fraud in Oklahoma and it exposes you, not just them.
- Do not sign anything that assigns your claim or your benefits to the contractor before you understand exactly what you are signing.
Class 4 Impact Resistant Shingles
When a storm claim results in a full replacement, you have a decision most homeowners are never told about. Class 4 impact resistant shingles carry the highest rating under UL 2218, the standard test for impact resistance, and they hold up considerably better in the next hailstorm.
Two things worth knowing. Many Oklahoma insurers offer a premium discount for Class 4 shingles, which can offset the upgrade over time. And because you are already replacing the roof under a claim, the incremental cost of upgrading is far lower than it would be as a standalone project. We will show you the numbers and let you decide.
Emergency Tarping and Water Damage
If a storm has opened your roof and water is coming in, that is an emergency and we treat it as one. Call (918) 382-7663 at any hour. We tarp same day, and emergency mitigation is a covered expense under virtually every homeowner policy.
Water that came in through a storm damaged roof is part of the same loss. We handle the drying and the interior repair as well, so you are not managing a separate company for the ceiling while we work on the roof. We are an IICRC Certified Firm, company number 70249741, with certified water damage restoration technicians on staff.
What to Do Right After the Storm
- Make sure everyone is safe and stay out of rooms with sagging or wet ceilings.
- Photograph what you can see from the ground before anything is cleaned up or moved.
- Put buckets under active leaks and move furniture and valuables clear.
- Note the date of the storm. You will need it for the claim.
- Call us for a free inspection at (918) 382-7663. Do not get on the roof yourself.
Where We Work
We handle residential storm damage across the full Tulsa metro, including Tulsa, Bixby, Broken Arrow, Sand Springs, Owasso, Sapulpa, Jenks, Glenpool and the surrounding communities. Our shop is in Bixby, which is why we can usually get someone to your house quickly after a storm rather than putting you on a list.
Get a Free Inspection
If a storm has come through your neighbourhood, have the roof looked at even if nothing is leaking. Most policies limit how long you have to report a loss, and hail damage frequently does not leak for a year or more. Call (918) 382-7663 and we will come out.
FREQUENTLY ASKED QUESTIONS
Does homeowners insurance cover storm damage to my roof in Tulsa?
In most cases, yes. Hail, wind and tornado damage are covered perils under standard Oklahoma homeowners policies. What the settlement actually pays depends almost entirely on how completely the damage was documented. Our HAAG certified inspector documents every covered item in Xactimate and meets your adjuster at the house, at no charge, with any project we complete.
How do I know if my roof has hail damage if it is not leaking?
You usually cannot tell from the ground. Hail damage on asphalt shingles shows up as granule loss, bruising that fractures the mat beneath the surface without breaking through, and cracked ridge and hip caps. Bruising in particular is felt rather than seen. Granules collecting in your gutters is one of the few signs visible from the yard.
How long do I have to file a storm damage claim in Oklahoma?
Oklahoma law allows up to one year from the date of loss, but most homeowners policies have much shorter internal reporting requirements, often 30 to 60 days. Because hail damage frequently does not leak for a year or more, waiting until you see water is usually waiting too long. Get the roof inspected after any significant storm.
What does a free storm damage inspection include?
A HAAG certified inspector walks your roof, checks the field, ridge and hip caps, flashing, vents, gutters and your air conditioning condenser, photographs and locates every covered item, and produces the scope in Xactimate. You receive a copy whether or not you file a claim, and there is no charge and no obligation.
Should I be careful about contractors who knock on my door after a storm?
Yes. Out of state crews arrive in the Tulsa metro within days of a hail event and many are gone within 90 days, taking your workmanship warranty with them. Ask where the company is physically located, how long it has operated there, and for the Oklahoma contractor registration number. Be especially careful with anyone offering to cover your deductible, which is fraud in Oklahoma.
Does Decor replace residential roofs after storm damage?
Yes. When a storm claim results in a full replacement, we handle the complete project including material selection, the insurance coordination and the installation. We also handle the supplement process if the adjuster missed items that turn up during tear off. Class 4 impact resistant shingles are worth discussing at that point, since many Oklahoma insurers discount premiums for them.