Hail & Storm Damage Restoration | National Construction Group

What hail actually does

The damage you can't see is the damage that costs you

A hailstorm rarely leaves an obvious hole. It bruises the shingle mat, knocks granules loose, and starts a clock. The roof looks fine from the ground and fails three years later — after the claim window has closed.

When we inspect, we are looking at all of it, because carriers pay for all of it when it is documented properly:

Shingle bruising, granule loss, and mat fractures
Dented gutters, downspouts, and soft metals
Damaged ridge cap, vents, flashing, and boots
Hail-pitted siding and window screens
Damaged decking underneath the shingles
Interior staining from leaks that started after the storm

Do not wait for a leak. Most policies limit how long after a storm you can file. If hail came through your area in the last year, an inspection now costs you nothing and protects the claim window.

Be careful with door knockers. Storm season brings crews from out of state who collect a deposit and disappear. We are a BBB A+ accredited Oklahoma company with three offices and a 5-year workmanship warranty on file. Ask anyone at your door for the same.

The process

What happens after you call

Six steps. You do step three. We do the rest.

Free inspection

We walk the roof, elevations, and grounds, and photograph every point of damage — including the items adjusters commonly miss. If there is no storm damage, you are done here at no cost — nothing more is needed.

Damage report

Found damage? We will give you a written, photo-documented report upon request so you have it in hand.

File your claim

You contact your carrier and open the claim. We tell you exactly what to say and what to have ready, and we get an adjuster scheduled to come out.

Meet the adjuster

We are on the roof with your adjuster so nothing gets overlooked and the scope reflects the real damage. Once the damage is confirmed, we sign a contract to do the work.

Approval & scheduling

Once the carrier approves, we order materials and put you on the build schedule.

Build and completion

We complete the work, clean the site, and walk it with you. We send your completion letter to your insurance carrier, and your 5-year workmanship warranty starts here.

Supplements

We make sure your claim covers the whole job

Insurance carriers do not always approve everything a proper, code-compliant repair actually requires. When your approved scope comes up short, we supplement — we document the missing items with photos, measurements, and the building-code and manufacturer requirements, and submit that documentation to your carrier so your claim covers everything that should be completed to put your home back right.

Our supplement process is written into your contract, so you know exactly how it works before you sign.

Where we draw the line. We are not public adjusters or attorneys, and we do not adjust or negotiate your insurance claim. We document and supplement the scope of our own work.

In the rare case a carrier still will not cover what is legitimately required, and we cannot resolve it through the supplement process, we can refer you to a licensed public adjuster or attorney who handles that side.

Common questions

What homeowners ask us first

Will filing a claim raise my rates?

Storm damage is generally treated as an act of nature rather than fault, and carriers handle it differently from an at-fault claim. Rates and policy terms vary by carrier and by state, so ask your agent directly about your policy before you file — we would rather you get that answer from the person who holds your contract.

What does it cost me?

The inspection and the written damage report are free. If you move forward with a claim, your out-of-pocket cost is normally your deductible. We will walk you through the carrier's numbers line by line so you know what you are signing.

How long does the work take?

A typical residential roof replacement is one to two days on site. The longer part is the claim itself, which depends on your carrier and how busy the season is. We keep you posted at every stage rather than making you chase us.

What if I already had someone look at it?

Get a second opinion anyway, especially if you were told there was no damage. A denied or underpaid claim can often be reopened with better documentation. Bring us what you have.

A note on deductibles — and Oklahoma law. If a contractor offers to waive, absorb, pay, or “eat” your deductible, walk away. In Oklahoma this is not just a red flag — it is against the law.

Under House Bill 1940, which amended the Oklahoma Roofing Contractor Registration Act and took effect November 1, 2022, a roofing contractor who is paid from property or casualty insurance proceeds may not advertise or promise to pay, directly or indirectly, all or part of a homeowner’s insurance deductible. The law also requires contractors to give customers written notice of this rule. A contractor who offers to cover your deductible is breaking that law, and your insurer is not required to honor an estimate from a contractor who does it — which can put your whole claim at risk.

Your deductible is your responsibility to pay, and any honest, registered Oklahoma contractor will tell you the same. We follow the law to the letter, which protects your claim as much as it protects us.

This is general information, not legal advice. You can verify the current law with the Oklahoma Construction Industries Board (CIB) or the Oklahoma Insurance Department, and we are glad to provide the written notice the law requires.

Credentials

Check us out before you let anyone on your roof

Storm season brings crews through Oklahoma who are gone by winter. Every one of these can be verified independently, and you should verify anyone who knocks on your door.