After a heavy storm passes through, stepping outside to check on your property can be a stressful moment. Strong winds, hail, and rain are becoming more severe across Oklahoma and Arkansas, leading to a rise in homeowner claims. If you find roof damage, knowing how to handle an insurance claim is essential. As we look toward 2026, insurance companies are becoming more specific about what they cover, making it crucial for homeowners to be prepared.
This guide will walk you through the process, helping you understand what to do after a storm and how to navigate an insurance roof claim successfully.
Storms and Shifting Insurance Policies
Recent years have seen an increase in the frequency and intensity of storms. This trend has led insurance providers to tighten their policies. By 2026, insurers will likely require more detailed proof of damage and documentation of your roof’s condition before the storm. They are looking closely at whether damage is from a single weather event or from gradual wear and tear. This is why having a clear record is more important than ever.
What to Do After a Storm
If you suspect your roof is damaged, taking the right steps immediately can make a big difference in your claim’s outcome.
- Safety First: Only inspect your roof from the ground. Stay away from downed power lines and be cautious of any debris.
- Take Photos and Videos: Document any visible damage from a safe distance. Capture images of hailstones next to a ruler for scale, fallen tree limbs, and any noticeable issues on your roof or gutters.
- Write Down Details: Note the date and time of the storm. This information is critical for your claim.
Common Signs of Storm Damage
After the storm clears, look for these indicators of roof damage:
- Missing, cracked, or bruised shingles.
- Dents on gutters, vents, or flashing.
- An unusual amount of shingle granules in your downspouts.
- Leaks or water stains appearing on your ceilings indoors.
Preparing Your Insurance Claim
A well-prepared claim is more likely to be approved without delays. Before you call your insurance agent, gather all your documentation.
Proof to collect:
- Photos and videos of the damage.
- A copy of your home insurance policy.
- Records of any previous roof inspections or repairs.
One of the most common mistakes homeowners make is not getting a professional assessment before filing. An experienced roofing contractor in Tulsa can provide a detailed report that confirms the damage is from the storm, which strengthens your claim.
A Professional Inspection Can Help
Having a professional roof inspection is a key step. A licensed contractor can identify subtle damage that isn’t visible from the ground. They will provide an official report that documents the full extent of the storm’s impact on your roof, siding, and gutters. This unbiased, expert assessment helps ensure your insurance company has the information it needs to approve your claim for a full repair or replacement.
Navigating the claims process might seem complex, but you don’t have to do it alone. A knowledgeable contractor can guide you, making sure your home gets the repairs it needs to protect your family.
Need help assessing storm damage or preparing an insurance claim? Visit standardpropertyservices.com to schedule an inspection.