Who to Call After a Hailstorm in Oklahoma City — and in What Order
The order of your post-hailstorm calls can determine whether your insurance claim covers the full scope of damage — or falls short. Here is the right sequence and why it matters.
The Right Call Sequence After an OKC Hailstorm
Most Oklahoma City homeowners instinctively call their insurance company first after a hailstorm. This is understandable — but it is the wrong order. Here is the sequence that protects your claim:
Call Wilson & Sons Construction — 405-230-3000
A licensed Oklahoma CIB contractor inspects and documents all damage with photographs, measurements, and a written scope of loss. This becomes your baseline record. We can typically schedule within 24-48 hours of a storm event. The inspection is free and no-obligation.
Review the Written Damage Assessment
Wilson & Sons provides a written assessment documenting all affected components — shingles, gutters, fascia, soffits, flashing, ridge cap, ventilation. Review it and decide whether to file a claim based on this information. If the damage is below your deductible, you may not need to file.
File the Insurance Claim
With contractor documentation in hand, file your claim. Provide the storm date, the description of damage, and mention that you have a contractor’s written scope of loss. Request that the adjuster contact Wilson & Sons to coordinate the inspection visit.
Adjuster Inspection — With Your Contractor Present
Wilson & Sons attends the adjuster inspection alongside you. Our presence ensures that all documented damage items are walked through with the adjuster, and that nothing is missed. This step dramatically reduces the need for supplement negotiations later.
Review Settlement and Begin Repairs
Wilson & Sons reviews the adjuster’s scope of loss against our documented assessment. If supplements are needed, we handle them. Once settlement is approved, we order materials, pull permits, and schedule installation.
What Happens When You Call Your Insurer First
When a homeowner files a claim before getting a contractor’s inspection, the sequence puts the adjuster’s view first. Here is why this creates problems:
- Adjusters may miss subtle hail damage. Hail damage to asphalt shingles can be difficult to see without training. Granule displacement, shingle bruising, and soft metal dents on gutters and flashing are commonly overlooked. A contractor documents these before the adjuster arrives.
- The initial scope of loss becomes the baseline. If the adjuster produces a scope of loss first, that number anchors the claim. Supplements to increase it require additional documentation and insurer review — which takes time and effort.
- Weeks pass between storm and adjuster visit. Weather, foot traffic, and natural weathering can change the roof’s visible condition. A contractor’s documented assessment taken close to the storm event captures damage in original condition.
- You are negotiating from a weaker position. Without your own documentation, you have no independent record of what the damage was at the time of the storm.
The solution is straightforward: get the contractor inspection and written scope first, then file. It costs you nothing and puts you in a much stronger position.
Why Storm Documentation Matters — NOAA Storm Records
When documenting your hailstorm damage, it helps to have independent storm event records. The NOAA Storm Prediction Center publishes storm event reports that record hail size, storm path, and location. These records establish that a storm event occurred at your location on a specific date — independent of any contractor or insurer record.
Wilson & Sons routinely cross-references NOAA storm data when documenting claims, and can reference these records in the written scope of loss provided to your insurer.
Storm Chaser Warning — Oklahoma City
After every major OKC metro hailstorm, out-of-state contractors descend on affected neighborhoods. These “storm chasers” use high-pressure tactics and may not be licensed in Oklahoma. Watch for these red flags:
- No Oklahoma CIB license (ask for the license number and verify at oklahoma.gov/cib)
- No local Oklahoma City address or established presence
- Pressure to sign a contract or Assignment of Benefits immediately
- Offer to “waive your deductible” — this is insurance fraud under Oklahoma law
- No written estimate — verbal promises only
- Out-of-state license plates and temporary local phone numbers
- No verifiable reviews or history in the OKC market
Signing with an unlicensed or unscrupulous contractor can void your insurance coverage, leave you with a poorly installed roof, and give you no local recourse if problems arise. Always verify the CIB license before signing anything.
Why Wilson & Sons — Not a Storm Chaser
Wilson & Sons Construction has been based in Oklahoma City since 1998. We hold OK CIB License #80007593 and are licensed, bonded, and insured. We pull permits, we attend adjuster inspections, and we are here after the storm — and after the job is done.
- OK CIB License #80007593 — verifiable and active
- Local Oklahoma City office — 309 NE 38th St, OKC 73105
- General liability and workers’ compensation insurance on file
- IKO ROOFPro Certified installer
- We pull all required permits in all OKC metro municipalities
- We attend adjuster inspections and manage supplement negotiations
- We have never waived a deductible — it is fraud, and we will not do it
What Customers Say
“They dealt with my insurance company for me and got amazing amount to do repairs. Replaced my roof in one day with a big crew. Put new gutters on that look absolutely amazing and gutter guards.”
“Greg is a pleasure to work with! He is knowledgeable, professional and timely. Definitely give them a call for all your roofing needs.”
Post-Hailstorm FAQ — Oklahoma City
Should I call my insurance company first after a hailstorm?
No — call a licensed Oklahoma CIB roofing contractor first. You need a professional damage assessment and written documentation before your insurance adjuster sees the roof. Filing before you have contractor documentation puts the adjuster’s view first, which may miss damage or undervalue the claim.
What is a storm chaser contractor and why should I avoid them?
Storm chasers are out-of-state contractors who follow major hail events, targeting homeowners with aggressive door-knocking and pressure tactics. Red flags include: no Oklahoma CIB license, no local address, pressure to sign immediately, deductible waiver offers, and no physical office in the OKC area. Waiving a deductible is insurance fraud under Oklahoma law. Always verify CIB license before signing.
How do I verify a roofing contractor’s Oklahoma license?
Oklahoma requires roofing contractors to hold a Construction Industries Board (CIB) license. You can verify a license at oklahoma.gov/cib. Wilson & Sons holds OK CIB License #80007593 and is fully licensed, insured, and locally established in Oklahoma City.
What happens if I call my insurance company before getting a contractor inspection?
The adjuster will inspect your roof without the benefit of a contractor’s documented scope of damage. Adjusters may miss items, particularly in hail events where damage is subtle (granule loss, dents on metal components, cracked sealant at flashings). Without a contractor’s prior documentation, it is harder to supplement a low initial estimate.
Does Wilson & Sons serve all of Oklahoma City after a hailstorm?
Yes — Wilson & Sons serves the full OKC metro including all Oklahoma City zip codes, Edmond, Moore, Norman, Yukon, Mustang, Midwest City, Del City, Nichols Hills, The Village, Bethany, Warr Acres, Choctaw, Piedmont, and El Reno.
Call Wilson & Sons First — Free Hail Inspection
OKC’s locally-based, licensed roofing contractor. We document damage, manage your claim, and replace your roof in one day.
405-230-3000 info@wscok.comSchedule Free Hail Inspection
