Most hail damage does not leak on the day it happens, which is why so many claims are
filed late and denied. This is the whole sequence: what we look for before you file,
what happens on the roof with the adjuster, and what your policy will and will not pay
for. Read it before you call anyone, including us.
Every plan includes at least one whole-home safety inspection a year and member pricing on
any work we do — for less than the cost of a single stand-alone inspection. No initiation
fee, cancel anytime before renewal.
Before you file
Day 0 to day 3 · free
Inspection and evidence
Freeno obligation
Filing blind risks a denial on recordCosts nothing, decides everything
Filing a claim that gets denied is worse than not filing: the denial sits on your claims history and can affect your premium. So the first thing is to find out whether there is real, documentable damage — before anyone calls the insurer.
✓Full roof inspection within 48 hours of your call
✓Every hail strike chalked, photographed and counted per slope
✓Test square marked out the way an adjuster marks one
✓Collateral damage recorded: vents, gutters, screens, AC fins
✓A straight answer on whether you have a claim worth filing
Unattended adjuster meetings settle lowThe scope is the settlement
A claim is paid from a scope of work written on the day the adjuster climbs the roof. If nobody who works for you is standing there when it is written, it gets written without you. We are there, with our own numbers, and we do not leave the roof disagreeing quietly.
✓We help you file, or file alongside you
✓We meet the adjuster on the roof, every time
✓Our documentation handed over before the inspection starts
✓Line-item scope reviewed against ours on the day
✓Supplements filed for anything the first scope missed
Deductible waiving is fraud, not a discountTwo warranties, both in your name
Once the scope is agreed, the work is the straightforward part. You pay your deductible and the carrier pays the rest against the agreed scope. We invoice to that scope, so the number you were approved for is the number you see.
✓Materials ordered to the approved scope, no substitutions
✓Decking allowance priced per sheet before we start
✓Depreciation released with our final invoice and photographs
We do not charge for inspection, documentation, adjuster meetings or supplement filing. Those are part of the job, not a service we sell separately — and any roofer charging you for them before a claim is approved is worth a second look.
What a policy covers, and what it does not
Every inclusion side by side. Home and Whole-Home add the checkups, waived fees, and
deeper discounts that pay for themselves the first time something goes wrong.
Feature comparison of the Safety, Home Protection, and Whole-Home plans
Feature
Hail
Wind
Wear & tear
Shingle bruising and granule loss
✓Included
–Not included
–Not included
Lifted, creased or missing shingles
sometimes
✓Included
–Not included
Damaged vents, caps and flashing
✓Included
✓Included
–Not included
Dented gutters and downspouts
✓Included
–Not included
–Not included
Interior water damage from the leak
✓Included
✓Included
–Not included
Roof simply at end of life
–Not included
–Not included
–Not included
Damage found years after the storm
sometimes
sometimes
–Not included
Cosmetic denting on metal
–Not included
–Not included
–Not included
Pre-existing unrepaired damage
–Not included
–Not included
–Not included
Code upgrades required to rebuild
if endorsed
if endorsed
–Not included
What We Hand The Adjuster
A claim is won on documentation, not on argument.
Adjusters are not the enemy and they are not being difficult. They settle from what they can see and defend. The difference between an approval and a denial is almost always whether the damage was recorded properly, on the day, in a form that survives review. This is what we produce for every claim, before anyone climbs the roof.
Slope diagram
Non-memberA roof sketch, sometimes
Plan memberEvery slope, measured and numbered
Aerial measurement of every facet with pitch and square footage, so the scope covers the whole roof rather than the two slopes someone walked.
Test squares
Non-memberOne, if asked
Plan memberOne per damaged slope, chalked
A ten-by-ten square marked and counted on each slope, the way a carrier expects to see it. Most denials we overturn are slopes nobody squared.
Photographs
Non-memberA handful from the ground
Plan memberDated, close-range, per strike
Close photographs with a gauge in frame, plus wide shots that place each one on the roof. A photograph nobody can locate proves nothing.
Collateral evidence
Non-memberRarely recorded
Plan memberVents, gutters, screens, AC fins
Soft metal dents where hail hit. It is the strongest corroboration there is, because it dates the event and nobody can call it wear.
Storm verification
Non-memberLeft to the carrier
Plan memberDate, hail size, wind speed
Weather data for the address on the date claimed. It closes off the argument that the damage came from some other, older event.
Code requirements
Non-memberOften missed
Plan memberCited, with the ordinance
Ventilation, ice-and-water and decking rules that force a rebuild beyond a like-for-like patch. Payable when your policy carries the endorsement, and easy to leave on the table when nobody raises it.
Active leak right now? Call and we will tarp it the same day — but we
answer every call live, 24/7. Call (405) 555-0182.
Every item here is produced whether or not you go on to use us for the work. If you take our documentation to another roofer, it is still yours.
In Writing
The promises worth making are the ones you can hold us to.
Roofing has a reputation, and it was earned by companies that arrive after a storm and leave before the warranty matters. These are the commitments we put in writing on every job, including the ones that cost us work.
We will never offer to waive your deductible
It is insurance fraud in Oklahoma, it can void your claim, and the money has to come out of the work somewhere you cannot see. Any roofer who offers it is telling you what they are willing to do to a roof.
We will tell you when you do not have a claim
Plenty of roofs we inspect after a storm are undamaged, or damaged in ways a carrier will not pay for. We say so and put it in writing. A free inspection that always finds a claim is a sales call.
Our invoice matches the approved scope
We bill to the scope the carrier approved, with decking priced per sheet up front. No line items appear on the final invoice that were not discussed before the work started.
We are still here in ten years
Sixteen years in the metro, twelve people on staff, one office you can drive to. A workmanship warranty is only worth the company standing behind it, which is the whole problem with the trucks that show up after a hailstorm.
Nothing here is unusual for a roofer who intends to keep working in the same city. It is written down because, after a big storm, plenty of the people knocking on your door do not.
Think you were hit? Get it looked at.
A free inspection tells you whether you have a claim worth filing, and we will say so
either way. If there is nothing there, you get that in writing too.
Questions about plans, coverage, or member discounts? Call
(405) 555-0182
or email hello@ridgelineroofingco.com.
Claim guidance applies to owner-occupied homes in the Oklahoma City metro. Your policy language governs; we are roofers, not your insurer.