Oklahoma City Hail Damage: What To Do After the Storm

The recent hailstorm that hit Oklahoma City on September 24, 2024, was a stark reminder of how unpredictable and damaging Mother Nature can be. Thousands of homes and businesses were impacted, with some experiencing damage so severe that it might require a completely new roof. It’s also important to know what steps to take if you find yourself facing repairs after a hailstorm. The aftermath of such a storm can be overwhelming. Homeowners find themselves assessing the damage, dealing with insurance claims, and finding a reliable contractor. Let’s break down what you need to know to protect your home and get back to normal after Oklahoma City hail damage.

Table Of Contents:

• The Aftermath: Understanding the Extent of Oklahoma City Hail Damage
  • Signs You Might Need Roof Repair
  • What to Do After a Hail Storm
  • Choosing the Right Contractor: Finding Help You Can Trust
• How to File a Hail Damage Insurance Claim
  • Step 1: Review Your Policy
  • Step 2: Document Everything
  • Step 3: File the Claim Promptly
  • Step 4: Work With the Adjuster
  • Step 5: Review the Adjuster’s Report
  • Step 6: Choose a Reputable Contractor
  • Step 7: Keep Records of Everything
• Conclusion

The Aftermath: Understanding the Extent of Oklahoma City Hail Damage

Hailstorms don’t affect every roof equally. The severity of the damage depends on factors like the size of the hailstones, wind speed during the storm, the direction of the wind, and even the age and type of your existing roofing materials. Smaller hailstones might only cause minor cosmetic damage. However, hailstones the size of golf balls, as seen recently in Oklahoma City, can lead to severe problems, requiring more extensive repairs.

Signs You Might Need Roof Repair

Often, damage from hail isn’t immediately obvious. You might not see gaping holes or missing shingles, especially from the ground. However, that doesn’t mean your roof escaped unharmed. It’s crucial to be vigilant and look for these signs of hail damage in Oklahoma City:

• Missing Shingle Granules: Check your gutters and downspouts. A significant amount of loose granules (they look like coarse sand) indicate your shingles have taken a beating and their protective layer is compromised.
• Damaged Shingles: Look for cracks, dents, or even tears in your shingles. Hail can cause bruising or even puncture them, reducing their effectiveness.
• Interior Leaks: Check your attic for signs of water intrusion. Stains on the ceiling, damp insulation, or even a musty smell can all be red flags.
• Damaged Flashing: Hail can dent or displace the metal flashing around vents, chimneys, and skylights. This can create vulnerable spots where water can seep into your home.

What to Do After a Hail Storm

If you suspect your roof might have sustained damage, follow these steps:

1. Safety First: Avoid walking on your roof to inspect it yourself, as it can be dangerous. Instead, survey the area from the ground or consider hiring a professional roofing contractor for an inspection.
2. Document the Damage: Take clear photos and videos of all the damage you can see. This documentation will be crucial when you file your insurance claim.
3. Contact Your Insurance Company: Report the hail damage to your insurer as soon as possible. Ask about their specific procedures for filing a claim and the kind of information they need.
4. Get a Professional Roof Inspection: While it might seem easier (and cheaper) to climb up on the roof yourself, hiring an experienced roofing professional is invaluable. They can spot damage you might miss and provide a detailed assessment to support your insurance claim.
5. Beware of Storm Chasers: In the wake of severe weather, it’s common to see out-of-town contractors going door-to-door offering “deals” on repairs. Exercise caution with these individuals, as they may not be licensed or insured to operate in Oklahoma and could potentially create more problems.

Choosing the Right Contractor: Finding Help You Can Trust

Selecting a contractor shouldn’t be rushed. This is a major decision, and after an event like the recent Oklahoma City hail damage, it’s tempting to go with the first available option. But making sure you hire a qualified and trustworthy professional can save you a lot of future headaches. Riteway was featured on KOCO 5 News after the hailstorm discussing the dangers of non-reputable contractors (KOCO 5 News). Consider these factors when looking for a roofing contractor. Consider asking these questions when vetting contractors:

• Are you licensed and insured to work in Oklahoma?
• Can you provide local references from past clients?
• What type of warranties do you offer on your work and materials?
• How will you handle the insurance claim process?

How to File a Hail Damage Insurance Claim

Filing a hail damage insurance claim can feel overwhelming, especially when you’re already dealing with the stress of a storm. But don’t worry, arming yourself with the right information can make the entire process smoother. Here’s a step-by-step guide to help you through it:

Step 1: Review Your Policy

Before you file, take some time to carefully review your homeowner’s insurance policy. Pay attention to the sections covering hail damage and what’s included in your coverage. This will give you a clearer understanding of what your insurance company will (and won’t) cover.

Step 2: Document Everything

We touched upon this earlier, but it bears repeating: documentation is crucial. Take clear photographs and videos of all the hail damage to your property. Capture wide shots to show the overall impact, and then zoom in on specific details, such as damaged shingles, dented flashing, or broken gutters. This visual evidence will be essential for your claim.

Step 3: File the Claim Promptly

Don’t delay in reporting the hail damage to your insurance company. Most insurers have time limits for filing claims, and prompt reporting ensures you’re within the required timeframe. When you contact your insurer, provide them with all the necessary details of the incident, including the date and time the hailstorm occurred and a description of the damage. Be prepared to answer their questions and provide them with any documentation they request. This may include photos, videos, and a list of damaged items.

Step 4: Work With the Adjuster

After you file your claim, the insurance company will typically assign an adjuster to assess the damage. This individual will visit your property, inspect the damage firsthand, and estimate the repair costs. Be present during the adjuster’s visit. It allows you to point out any areas of concern and ensure they have a comprehensive understanding of the damage. Be prepared to answer their questions about the incident and provide any additional information they may require.

Step 5: Review the Adjuster’s Report

Once the adjuster completes their assessment, you’ll receive a claim report outlining the adjuster’s findings. Carefully review this report to understand the scope of repairs covered, the estimated costs, and the deductible you’ll be responsible for. Don’t hesitate to contact your insurance company if you have any questions or disagree with any part of the assessment.

Step 6: Choose a Reputable Contractor

You have the right to choose your own contractor. While your insurance company might have preferred vendors, it’s always recommended to do your research and select a local, reputable roofing contractor with a proven track record of quality work. Again Riteway was featured on KOCO 5 News after the hailstorm discussing the dangers of non-reputable contractors (KOCO 5 News). Request multiple quotes and compare them not just on price, but also on the materials used, warranties offered, and the contractor’s experience.

Step 7: Keep Records of Everything

Throughout the entire claims process, maintain meticulous records of all communications with your insurance company, the adjuster, and the contractor. Save emails, take notes during phone calls, and keep all documentation organized in a dedicated file. This meticulous record-keeping will be invaluable should any discrepancies or issues arise during the process. Remember, dealing with hail damage is a marathon, not a sprint. By staying informed, proactive, and organized, you can navigate the insurance claim process effectively and ensure your home is restored to its pre-storm condition.

Conclusion

Dealing with Oklahoma City hail damage is stressful, but by taking a proactive and informed approach, you can minimize the disruption to your life. Remember that while storms are a part of life in Oklahoma, so is the resilience of its residents.