Adjuster meetings, claim paperwork, deductibles, depreciation — we walk Broken Arrow and Tulsa homeowners through every step in plain language. No approval promises, just honest guidance.
Roof insurance claims can feel confusing. ACV, RCV, depreciation, supplements, code items — it's a lot of paperwork during a stressful time. As The Good Guys of Roofing, our role is to make the process easier to understand, not to sell you on an outcome we can't promise. FireHouse Roofing was founded by a retired Tulsa firefighter who spent 20 years helping people on their worst days, and that's exactly how we approach your claim. We climb your roof, document what we see with photos, meet your adjuster on-site when appropriate, and review the scope with you in plain English. If items appear to be missing from the initial scope, we can document them and submit the documentation for the carrier's review. We won't promise approval — no honest roofer can, and coverage decisions are made by your insurance carrier — but we will make sure your roof is clearly documented and your questions get straight answers. If you're not yet sure whether your roof was damaged in the first place, start on our Storm Damage page for a free, no-pressure inspection.
Why FireHouse Roofing
The Good Guys of Roofing — Firefighter Owned & Operated
Discipline from the firehouse. Craftsmanship on the roof. Honesty in every estimate. That's how we've earned 300+ five-star reviews from homeowners across Oklahoma, Arkansas, Kansas, and Missouri.
Free roof claim help — no contractor fees, no hidden costs.
Plain-language explanations of ACV, RCV, deductible, depreciation, and supplements.
Photo-documented inspections that hold up under carrier review.
We'll meet your adjuster on the roof and walk the scope together when appropriate.
Local to Broken Arrow, serving Tulsa and Green Country.
Before you file, we'll take a look and give you our honest read on whether damage is likely worth a claim. We won't push you to file something that probably won't hold up.
Adjuster meetings
When appropriate and with your permission, we're on the roof with your adjuster, walking slopes, test squares, and penetrations so nothing important gets overlooked.
Clear photo evidence
Aerial measurements, close-up shots of hail bruises and wind damage, and slope-by-slope documentation in a report you can keep.
Supplement documentation
If the initial scope appears to miss roofing items — decking, flashing, drip edge, code-required upgrades — we document them and submit the documentation for the carrier's review.
Plain-language paperwork review
We sit down with you and explain what each line on the scope means, so you can sign with confidence. We don't give legal advice.
Honest deductible policy
Your deductible is your responsibility under the policy and applicable law — Oklahoma law prohibits roofers from waiving it, and we won't. Our pricing matches the approved insurance scope.
How It Works
The FireHouse roof insurance claim process
Honest, clear, and homeowner-friendly. We handle the roof side of the claim. You stay in direct communication with your insurance carrier — and the carrier makes the coverage decision.
01
Roof inspection & photo documentation
We climb the roof, walk every slope, and document what we see with high-resolution photos. You get the photo report whether or not you hire us.
02
Review your insurance paperwork
If you already have a scope of loss or estimate from your carrier, we'll review the roof line items with you in plain English — no jargon, no pressure.
03
Identify scope concerns
If we see storm damage, missing items, or roof items that appear to be off the scope, we'll point them out and document what we observe.
04
Meet the adjuster when appropriate
With your permission, we'll meet your adjuster on the roof and walk the slopes together. We can share photos and answer roofing installation questions.
We translate the paperwork into plain English so you can make decisions with confidence. Coverage decisions are made by the carrier — we explain the roofing side.
06
Build the roof to the approved scope
Once a scope is approved, we install the roof to manufacturer specification and applicable code, using new underlayment, drip edge, flashing, and ventilation reviewed for the home.
07
Completion documentation
When the roof is finished, we provide the final invoice and any completion documentation your carrier needs — often the step that releases recoverable depreciation, if your policy includes it.
FireHouse Roofing Co. is not a public adjuster. We do not negotiate policy coverage and we do not provide legal advice. Coverage decisions are made by your insurance carrier.
Claim Paperwork, Explained
ACV vs RCV and the rest of the paperwork — in plain English
We help homeowners understand what the paperwork says, but coverage decisions are made by the insurance carrier. Here's how the most common terms work in practice.
ACV — Actual Cash Value
What the damaged roof is worth today: replacement cost minus depreciation for age and wear.
RCV — Replacement Cost Value
What it costs to put a new roof on the home today, at current materials and labor pricing.
Deductible
What you pay out of pocket under the policy before the carrier pays. Your deductible is your responsibility under the policy and applicable law.
Depreciation
The amount the insurer subtracts for the age and condition of the roof. On RCV policies, recoverable depreciation is typically released after the work is completed and invoiced.
Supplement
Documentation submitted to the carrier for items not on the original scope. Examples include decking found during tear-off, missing starter, drip edge, vents, or flashing. Approval is up to the carrier.
Scope of loss
The insurance carrier's itemized list of what they intend to pay for. We help you read the roof items so you know what's covered and what isn't.
Code items
Upgrades required by current building code that weren't part of the original roof. Many policies include 'Ordinance or Law' coverage for code items when required.
Mortgage check
If you carry a mortgage, claim checks above a certain amount often include the mortgage company as a co-payee. Your servicer's loss-draft department walks you through endorsement and release of funds.
Adjuster Meetings
What happens when we meet your adjuster
With your permission, a FireHouse Roofing representative will meet your insurance adjuster on the roof when the inspection is scheduled. On-site, we can:
Point out roof conditions and damage we've observed during our inspection
Share photos and documentation from our visit
Answer roofing installation, material, and code questions
Walk the scope of loss line-by-line with the adjuster present
The adjuster and the insurance carrier make the coverage decision. We do not negotiate policy coverage, we do not represent the carrier, and we are not a public adjuster. We recommend homeowners stay in direct communication with their insurance company throughout the claim.
Sometimes the original scope does not include every item needed to complete the roof correctly. When that happens, documentation may be submitted for the carrier's review. Not every claim needs a supplement, and supplements are not always approved — the carrier decides.
Items we sometimes document for review
Missing starter course along eaves and rakes
Drip edge along eaves and rakes
Damaged or undersized roof vents
Step flashing, counter flashing, and chimney flashing items
Code items where applicable (e.g., decking thickness, ice & water shield)
Decking issues discovered during tear-off (rot, delamination, splits)
Additional labor or materials required to complete the roof correctly
Examples only. Whether any of these apply to a specific roof depends on the inspection and the carrier's scope of loss. Approval is up to the carrier.
How a supplement is submitted
When we observe an item that appears to be missing from the scope, we photograph it, write up what we see, and submit the documentation to the insurance carrier through proper channels. The carrier reviews and decides whether to add the item to the scope. We don't accuse carriers of underpaying and we don't promise approval — we document what's there and let the paperwork speak for itself.
Help with claims from many carriers
We help homeowners understand roof claim paperwork from many insurance carriers, including State Farm, Allstate, Farmers, USAA, Shelter, and others. We do not have special relationships or agreements with any carrier. We work for the homeowner on the roof side of the claim. Coverage decisions are made by the carrier.
Carrier names are listed only to indicate the range of paperwork we routinely help homeowners read. No endorsement or affiliation is implied.
Local Roof Insurance Claim Help
Insurance claim roof replacements across the Tulsa metro
FireHouse Roofing helps homeowners with storm inspections and insurance claim roof replacements across Broken Arrow, Tulsa, and the surrounding Green Country communities.
Don't see your town? We help homeowners across the Tulsa metro and beyond — into Oklahoma, Arkansas, Kansas, and Missouri. Call 918-928-9975 and we'll let you know.
Firefighter-owned. Homeowner-trusted.
FireHouse Roofing Co. is firefighter-owned, with a 4.9 Google rating and 300+ verified reviews from homeowners across Oklahoma, Arkansas, Kansas, and Missouri. We're an Atlas Diamond Contractor, every full replacement is backed by a lifetime workmanship warranty, and we operate by one simple rule: we won't sell you a roof you don't need. The Good Guys of Roofing.
Firefighter Owned & Operated
4.9★ Google with 300+ verified reviews
Atlas Diamond Contractor
Lifetime workmanship warranty on full replacements
Honest repair-vs-replace recommendations
No high-pressure sales, ever
Recent Projects
Recent FireHouse Roofing Projects
Real jobs from real homes — straight from FireHouse Roofing crews across Oklahoma, Arkansas, Kansas & Missouri.
Tear-Off & Underlayment
Tear-off and decking work.
Decking Replacement
Decking replacement.
Job Complete
Completed roof replacement.
FAQ
Frequently Asked Questions
Can a roofer help me understand my insurance roof claim?
Yes — that's a big part of what we do. We climb the roof, document what we see, and walk you through the insurance paperwork in plain English. We are not a public adjuster and we do not negotiate policy coverage, but we can help you understand what the roof side of the claim says and what items are on the scope. Coverage decisions are made by your insurance carrier.
Do you meet with insurance adjusters?
Yes. When appropriate and with your permission, we'll meet your adjuster on the roof, walk every slope together, and point out roof conditions and damage we've documented. We can share photos and answer roofing installation questions. The adjuster and the carrier make the coverage decision — we just make sure the roof itself is documented thoroughly.
What is ACV vs RCV on a roof claim?
ACV (Actual Cash Value) is what the damaged roof is worth today — replacement cost minus depreciation for age and wear. RCV (Replacement Cost Value) is what it costs to put a new roof on. Many replacement-cost policies pay ACV up front and then release the recoverable depreciation after the work is completed and invoiced. Your exact terms depend on your policy — the carrier is the source of truth.
What is depreciation?
Depreciation is the amount your insurer subtracts for the age and condition of the existing roof. On a Replacement Cost policy, the depreciation portion (often called recoverable depreciation) is typically released back to you once the roof is replaced and the final invoice is submitted to your carrier.
What is a roof claim supplement?
A supplement is documentation submitted to your insurance carrier for items the original scope did not include — for example, decking discovered during tear-off, missing starter, drip edge, damaged vents, flashing items, or code items when applicable. Not every claim needs one. When something appears to be missing, we document it with photos and submit it for the carrier's review. Approval is up to the carrier.
Do I still have to pay my deductible?
Yes. Your deductible is your responsibility under the policy and applicable law. Oklahoma law prohibits roofing contractors from waiving, rebating, or absorbing your deductible, and we won't do it. Our pricing matches the approved insurance scope so you should never pay more than your deductible plus any upgrades you choose.
Can you tell me if my roof damage is from hail or wind?
We can share what we observe during the inspection — the patterns, locations, and physical indicators on the roof that are typically associated with hail or wind. That documentation goes to your carrier with photos. The official cause-of-loss determination is made by the insurance adjuster and the carrier, not by the roofer.
What should I do after my roof claim is approved?
Pick a licensed and insured roofing contractor you trust, schedule the work, and keep all paperwork from your carrier. Once the roof is installed we provide a final invoice and any completion documentation your carrier needs to release recoverable depreciation, if your policy includes it. You stay in direct communication with your insurance company throughout.
Can you help if my insurance estimate is missing roofing items?
Yes. If we see roof items that appear to be missing from the scope — starter, drip edge, vents, flashing, decking, code items, additional labor or materials required to install the roof correctly — we'll document what we see with photos and submit it for the carrier's review. We can't promise the supplement will be approved. The carrier decides.
Do you work with State Farm, Allstate, Farmers, USAA, Shelter, and other carriers?
We help homeowners understand roof claim paperwork from many carriers, including State Farm, Allstate, Farmers, USAA, Shelter, and others. We do not have special relationships or agreements with any insurance carrier — we work for the homeowner, on the roof side of the claim. Coverage decisions are made by the carrier.
What is the difference between ACV and RCV?
ACV (Actual Cash Value) is replacement cost minus depreciation — what the damaged roof is worth today. RCV (Replacement Cost Value) is what it costs to put a new roof on now. Many replacement-cost policies pay ACV up front and release the recoverable depreciation after the work is completed and invoiced. Your policy is the source of truth.
What is a code item on a claim?
Code items are upgrades required by current building code that weren't part of the original roof — items like ice-and-water shield in certain areas, drip edge, or updated decking thickness. Many policies include 'Ordinance or Law' coverage that helps pay for code items when they're required. Your carrier confirms what's covered under your policy.
Do you charge for claim help?
No. From inspection to adjuster meeting to supplement documentation, our roof claim assistance is included at no cost to homeowners.
Will you handle the entire claim?
We handle the roof side — photo documentation, scope review, adjuster meeting when appropriate, and supplement documentation. You stay in direct communication with your insurance carrier. We are not a public adjuster, we do not negotiate policy coverage, and we do not provide legal advice.
What if my claim is denied?
We can re-inspect, document anything we believe was missed, and submit documentation for the carrier's review. We can't promise a different outcome — coverage decisions are the carrier's call. Well-documented evidence often makes a real difference in how the carrier evaluates the claim.
Do I have to use my insurance company's preferred contractor?
No. Oklahoma law lets you choose any licensed and insured roofing contractor. Your carrier pays the same way regardless of which qualified roofer you hire.
How long does the claim process usually take?
From initial inspection to roof completion is commonly several weeks, depending on carrier response time, weather, and material availability. We'll set realistic expectations once we see your specific situation.
They were fast, thorough, very helpful with the insurance, polite, and all-around nice guys. I highly recommend them. They also replaced the hail-damaged siding.
Free inspection, free claim assistance, adjuster meeting when appropriate. We'll tell you the truth about what we find and walk you through the paperwork in plain English. Coverage decisions are made by your insurance carrier.
