If you’re shopping around for home insurance, you want to make sure that you have great coverage, especially when it comes to your roof. It can be overwhelming and maybe even confusing if you don’t know what to look for. Many people have home insurance but aren’t aware of their full policy and what exactly it covers.

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Extreme weather can cause damage to not only your home but the nature around you, especially if you live in Oklahoma. Sometimes, it’s difficult to know what kind of weather to expect here, so you want to be as prepared as possible.

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Your roof got damaged in a hailstorm, and you’re getting it repaired or replaced. But the roof wasn’t the only thing that got damaged. Your gutters are now covered in dents and divots. Can you get new gutters with a new roof? Will your homeowners insurance cover gutter replacement?

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Years ago, there weren’t nearly as many roofing insurance adjusters. So when homeowners had damage to their roofs, it was common practice for the insurance companies to tell them to get three estimates. That would help the insurance companies verify that there was actually damage and also get a good idea of what the actual repair costs should be.

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Hail storms are a frequent occurrence in Oklahoma. In 2019, multiple areas in the OKC metro were hit by roof-damaging hail. For many homeowners, those storms were an unfortunate wake up call, making them realize they didn’t know what their insurance policies actually covered. Not that there was any trickery on the part of their…

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Some insurance adjusters are great at assessing roof damage. They have extensive knowledge and experience on what roof damage looks like and how storms can damage more than just shingles. Unfortunately, not all of them are that knowledgable and experienced.

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Not long ago, I had a conversation with a friend about her neighbors’ situation with their insurance company and their roof. The issue was their insurance company wouldn’t help with the new roof because the original roof was built according to a different code than the one covered by their policy.

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When looking at your insurance policy for roof coverage, it’s easy to get confused. Every industry has its fair share of jargon, and the roofing industry and insurance industry are no different. Let’s take a look at some of the terms you might see in your insurance policy when it comes to repairing or replacing your roof.

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In the roofing industry, there’s a process called supplementing. It’s a pretty standard term for us, but not a term (or a process) that everyone is familiar with. WHAT DOES SUPPLEMENTING MEAN? Supplementing is the process where a contractor submits additional expenses to the insurance company. It’s a common practice for home insurance and car…

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