If you’re a homeowner in Oklahoma, insurance regulations you may not know could impact how you handle future roof repairs and claims. As of November 2023, it has become illegal for contractors to cover or waive your deductible—a practice that was once common but is now prohibited. At Land Enterprises Roofing, we want to inform you about these regulations so you can protect yourself and your home.

What’s changed with insurance deductibles?

Under this law, contractors cannot cover or absorb deductibles as a marketing incentive or to win a bid. You must pay your deductible out of pocket when you file a claim.

Contractors are now required by law to remind homeowners about this rule. If a roofing company offers to “cover your deductible” or promises a rebate equal to your deductible amount, it’s not just unethical—it’s illegal. Participating in such arrangements could put your claim and coverage at risk.

Be aware of multiple deductibles

Another key change to be aware of is that many homeowners now have multiple deductibles based on the type of claim. For example:

• Hail and wind damage might have a separate, higher deductible compared to other types of claims
• Fire or theft could fall under a different deductible category
• Some policies have percentage-based deductibles rather than flat-rate ones, which can significantly impact your out-of-pocket costs
• Reviewing your policy and understanding which deductibles apply to different types of damage is essential.

The importance of regular insurance reviews

Because insurance policies and regulations can change frequently, it is wise to discuss your coverage with your insurance agent regularly. Ensure you understand how your policy works, your deductibles, and whether you have sufficient coverage for common risks, such as storm damage.

During these reviews, you should also ask about:

• Law and ordinance coverage: Helps pay for code upgrades required during repairs. For instance, if your roof must meet new building codes after a storm, this coverage can prevent out-of-pocket expenses
• Claim time limits: In Oklahoma, you have two years to file a claim after damage occurs. However, you only have one year to file a lawsuit against your insurance company. Acting quickly and thoroughly documenting damage is essential to protect your rights

Protect yourself with a trusted roofing partner

At Land Enterprises Roofing, we prioritize transparency and integrity. We will never offer to cover or absorb your deductible—that’s against the law. Instead, we focus on providing high-quality roofing services and guiding you through the claims process honestly and professionally.

Our team is experienced in working with insurance companies, helping you navigate claims, and ensuring your roof is restored correctly. We also offer a Roof Maintenance Program that lets you stay ahead of potential issues by documenting your roof’s condition over time—an invaluable asset when dealing with future insurance claims.

Stay informed and stay protected

The recent changes to insurance deductible rules in Oklahoma protect homeowners from fraud and unethical practices. Understanding the new regulations, regularly reviewing your policy, and working with reputable contractors can ensure you’re fully protected if the unexpected happens.

If you have questions about roof repairs, storm damage claims, or how to prepare for future roofing needs, contact Land Enterprises Roofing today. We’re here to help you navigate these changes with confidence and peace of mind.