Storm and hail damage roof repair
Free damage assessment, proper documentation for your carrier, and we meet the adjuster at the property. We cannot promise you an approval, and we will not pretend otherwise.
We document it, we meet your adjuster, we make the case
Insurance is where most storm damage jobs are actually won or lost, and it is the part homeowners find most frustrating. Seven of the written reviews on our Google profile mention insurance specifically.
Our part is concrete. We inspect and document the damage across every elevation. We are at the property when your adjuster comes out. Where there is disagreement about the scope, we work through it with your carrier. When a replacement is required, we document code related decking conditions for supplementation.
What we will not do is promise you an outcome. Your carrier decides. Any roofer who tells you they can guarantee an approval is telling you something they have no ability to know.
- Damage documented properly. Every elevation, plus soft metals, screens and fencing.
- We meet the adjuster on site. So the conversation happens with someone who has been on the roof.
- Scope reconciled with your carrier. Including supplementation for code related decking.
- No promises about approval. That decision belongs to your insurer.
What the process looks like
Five steps, and you know who is doing what at each one.
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01
You call or send the form
Tell us roughly when the storm hit and what you have noticed. Shingles in the yard, a stain, or nothing visible at all.
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02
We inspect and document
Drone flown in three passes, covering the field, the details, and the soft metals, screens and fencing that hail marks first.
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03
You decide about a claim
If the damage looks storm related, the next step is your carrier. You get our report to work from either way.
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04
We meet the adjuster
At the property, so the assessment happens with somebody present who has actually been on the roof.
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05
The work goes ahead
Once the scope is settled, the repair or replacement proceeds. Final payment comes when the carrier sends the final cheque.
Some things about storm claims that most roofers will not put on a website
Storm season brings a lot of companies into Oklahoma who are not from here and will not be here next year. Some of them are fine. Some of them will tell you whatever gets a contract signed.
We have been on North Council Road since 2004 and we are still going to be here. That shapes what we are willing to say to you.
- A roofer cannot approve your claim. Only your carrier can. Anyone guaranteeing an approval is overselling.
- Not every storm causes damage. If your roof is fine, our report will say so even if the whole street is being replaced.
- Hail is directional. One slope can be hit and the rest fine, which changes what a claim covers. Get the roof assessed before you call it in.
- Damage is often invisible from the ground. Which cuts both ways: it can be real when you cannot see it, and absent when you think you can.
- We do not run emergency dispatch. No 24/7 claim here. Calls after 5pm go to voicemail and the form is always open.
Storm damage roofing in Oklahoma, and what to actually do about it
Every neighbourhood in Oklahoma gets hit at some point. That is not a sales line, it is the reality of the market, and it is why storm work is a significant part of what any roofing company here does.
Wind damage versus hail damage
Wind lifts and tears. It removes shingles outright, creases them where they have folded back, and breaks the seal strips that hold each course down. Wind damage is generally the more visible of the two, and a shingle in your yard is the clearest possible sign of it.
Hail bruises. As described above, the impact fractures the shingle mat and dislodges granules. The shingle is still on the roof, still looks roughly normal from below, and is now degrading. This is the damage type that people miss.
The evidence your inspector should be collecting
Impact marks on the field, across every elevation rather than one convenient slope.
Granular loss, both on the roof and accumulating in the gutters below it.
Soft metals: vents, caps and flashing, which take a visible dent from hail that shingles absorb invisibly.
Window screens and fencing, which mark readily and corroborate the event.
Directionality, meaning which elevations were hit and which were not.
Why the adjuster meeting matters
An adjuster is assessing a lot of properties in a compressed period after a significant storm. Having a roofer present who has already been on the roof, has documented what is there, and can point to specific evidence changes the quality of that conversation.
Where our assessment and the adjuster's differ, there is usually some back and forth about scope. That is normal. We work through it with the carrier rather than leaving you to negotiate a technical roofing argument on your own.
Decking and supplementation
Decking condition cannot be assessed through an existing roof. When a replacement is approved and the tear off exposes decking that is damaged or does not meet current code, that gets documented for supplementation. It is a normal part of the process and it exists so the approved scope covers what the roof genuinely requires.
What we install afterwards
Where it makes sense given the hail exposure here, we try to get customers into a class 4 impact rated shingle, which is built to handle hail better than a standard product. It is worth asking your carrier how they treat impact rated roofing, because some treat it differently on premiums.
We will not install a shingle we are not prepared to warranty ourselves. Every roof we install carries a two year written workmanship warranty, and qualifying customers can purchase upgraded GAF, Owens Corning, CertainTeed or Malarkey manufacturer warranties in 25 and 30 year options.
What customers say after a storm
11 of the 59 reviews on the Champion Roofing Google profile mention this work. Published exactly as written.
Storm and hail damage questions
Straight answers, including the ones about what we cannot do.
Do you handle the insurance paperwork?
Yes. We take care of the roofing paperwork on the insurance side, meet your adjuster at the property, and work through the approved scope with your carrier where there is disagreement about what the damage actually is.
When a replacement is required, we document code related decking conditions for supplementation, so the approved scope reflects what the roof genuinely needs.
Can you guarantee my claim will be approved?
No, and you should be cautious of any roofer who says otherwise. Your carrier and their adjuster determine whether a claim is approved and what it covers. That decision is not ours to make.
What we can do is document the damage properly, be at the property when the adjuster is there, and make the case for the scope the roof actually needs. That is genuinely worth having, but it is not a guarantee.
How soon after a storm should I call?
Sooner is better, mainly because insurance policies have time limits on reporting damage and because a documented inspection close to the event is stronger evidence than one months later.
That said, we do not run a 24 hour emergency dispatch and we do not advertise one. Calls after 5pm go to voicemail. The contact form is open around the clock, and the office schedules an inspector out from there.
What does hail actually do to a roof?
Usually bruising rather than holes. The impact fractures the mat of the shingle and knocks the protective granules loose. From the ground this is invisible; from the roof it looks like scattered dark spots.
The consequence is that the asphalt underneath is now exposed to ultraviolet light at those points and begins degrading. The failure arrives later, which is why an inspection after a storm matters even when the roof looks fine.
My neighbours all got new roofs. Does that mean I need one?
Not necessarily. Hail is directional, and what matters is the condition of your roof, not what happened next door. The mistake to avoid is calling in a claim before a trustworthy professional has assessed the roof, even after a bad storm.
If only one slope took damage, your carrier may pay for repairs on that slope rather than a replacement. That can leave you under your deductible, paying out of pocket, with one slope that no longer matches the rest of the roof. We check every elevation first, then tell you honestly whether a claim is worth filing.
What about the gutters, screens and fencing?
They are part of the picture, and our inspection covers them. Soft metals, window screens and fencing mark more readily than shingles do, so they help establish what a storm actually did.
They are also frequently damaged in their own right. It is worth having them documented at the same time rather than discovering it after the claim has closed.
Had a storm? Get it documented
A free assessment, every elevation photographed, and a written report you can take to your carrier.