The not-so-fun stuff. Shopping and understanding homeowners insurance in Oklahoma can be a daunting task. It's a crucial necessity for living in our state. Here a few tips to maximize coverage for your largest investment. Remember cheapest isn't always best. It's important that you understand your coverages.
Must Haves
1. Full RCV on home and all structures.
2. Law & Ordinance/Code Upgrade Coverage
3. No metal exclusions including Cosmetic or Marring.
4. No Discontinuation Exclusion
5. Lowest, Most affordable deductible possible
6. No Roof Payment Schedule
At Redhawk Roofing & Restoration, we believe in full transparency when it comes to insurance claims. The process can be confusing, especially if this is your first time dealing with storm damage. This guide explains everything you need to know—from how to file a claim to what your responsibilities are as a homeowner.
1. Roof Inspection & Damage Report – We inspect your roof for storm damage and document everything.
2. File the Claim – You (the homeowner) file the claim with your insurance company. We are there to assist.
3. Adjuster Meeting – We meet with your insurance adjuster to ensure all damage is assessed.
4. Scope of Work Approval – Once your claim is approved, your insurance provider gives a breakdown of covered repairs.
5. Deductible Due – You pay your deductible (this is your responsibility).
6. Roof Replacement – We complete the approved work using high-quality materials.
7. Final Paperwork – Once finished, we submit final documentation and help you close out the claim.
Your deductible is the amount you agreed to pay when you purchased your homeowners insurance policy. Just like with auto insurance, it's the portion of the claim you're responsible for
- ACV (Actual Cash Value): The current value of your roof after depreciation.
- RCV (Replacement Cost Value): The amount it would cost to replace your roof with new materials.
Many insurance policies pay the ACV up front, then release the Supplements, PWI's (Paid When Incurred), and RCV (the rest of the funds) after the work is completed and invoiced.
We work for you, not the insurance company. Our job is to:
- Provide a thorough inspection and damage report
- Meet with your adjuster to ensure all issues are addressed
- Use the approved scope to complete high-quality repairs or replacement
- Make the process as smooth and stress-free as possible
- Filing the initial claim, but we can and prefer to make the call with you to streamline the process
- Paying your deductible directly to the contractor
- Choosing roofing materials and approving the timeline
- Communicating with your insurance provider when needed
- Disbursing payments from insurance to the contractor
- “I thought my roof would be free.” – No, your insurance covers most costs, but you are responsible for your deductible.
- “Can the roofer waive my deductible?” – No. That’s illegal and considered insurance fraud.
- “Do I have to pay out-of-pocket?” – Only your deductible, unless you choose upgrades not covered by insurance.
We’ve helped many Oklahoma homeowners get their roofs replaced or repaired through insurance. Let us help you too—with honesty, transparency, and expert guidance every step of the way.
Call Redhawk Roofing & Restoration today or request a free inspection to get started.
Redhawk Roofing & Restoration
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