Navigating a roof insurance claim can feel overwhelming, especially if you have never gone through the process before.
At Redhawk Roofing & Restoration, we believe homeowners should have a clear understanding of how the process works, what is covered, and how decisions are made. Our goal is to provide straightforward guidance so you can make informed choices without confusion or pressure.
When storm damage is suspected, homeowners may choose to file a claim with their insurance carrier. The carrier will typically evaluate the roof to determine whether damage is present and what may be covered under the policy.
It is important to understand that insurance policies generally cover what was previously installed, not necessarily upgrades. Any changes beyond that scope are typically considered optional improvements.
Insurance evaluations often rely on clear documentation of roof conditions and observed damage.
This may include:
Providing clear and organized documentation helps ensure the situation is properly understood during the evaluation process.
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.
Our role is to help homeowners better understand their roof and the options available to them.
We provide:
We focus on clarity and accuracy—not pressure.
For homeowners who want a more detailed understanding, the Redhawk Roof Intelligence Report™ (RRIR) provides a structured and data-driven evaluation.
This report can be especially helpful when:
If a claim is approved, the scope of work typically reflects what was previously installed.
However, some homeowners choose to explore higher-performance options such as a FORTIFIED™ roof system.
In certain situations, programs like OKReady (Strengthen Oklahoma Homes) may help offset the cost of these upgrades when combined with an insurance project.
Homeowners choose Redhawk Roofing & Restoration because we focus on doing things the right way.
If you have questions about your roof or are considering filing an insurance claim, we’re here to help.
Schedule a professional roof evaluation and get clear, straightforward guidance on your next steps.
Redhawk Roofing & Restoration
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