How to file a hail damage claim in Oklahoma

Last reviewed: October 2026. General information, not legal or insurance advice. Your policy's wording decides your deadlines.

The short version: report hail damage as soon as you can. Many policies require reporting damage within about a year — check your policy.

Deadlines to know

Your policy's reporting deadline. Many policies require reporting damage within about a year — check your policy. Look for "notice of claim" or "duties after loss" in your policy.
Lawsuit deadline. Many Oklahoma property policies require you to sue within one year of the date of loss, and Oklahoma courts generally enforce that limit. Read the "Suit Against Us" section of your policy and talk to an attorney early if your claim is denied.
Your insurer's deadlines. Oklahoma insurers must acknowledge a claim within 30 days and accept or deny it within 60 days after receiving a proper proof of loss; investigations generally may not exceed 120 days (36 O.S. 1250.6 and 1250.7). If your claim stalls, you can contact the Oklahoma Insurance Department.

Find your storm date. Check your address to see the dates and hail sizes reported near you. Your insurer will ask for the date of loss.
Document the damage. Take dated photos of the roof (from the ground is fine), gutters, vents, siding, windows, fences and cars. Don't climb on the roof.
Prevent more damage. Cover leaks with a tarp and keep receipts. Most policies expect you to stop damage from getting worse.
Read your deductible. Many policies have a separate wind and hail deductible. It may be a percent of your dwelling coverage or a dollar amount. Check your policy.
File the claim. Call your insurer or use its app. Write down your claim number and the adjuster's name.
Get an independent inspection. Only you, a licensed public adjuster, or an attorney can negotiate your claim. A roofer can document damage but is not licensed to negotiate the claim for you.
Meet the adjuster. Be there for the inspection if you can, and share your photos and storm date.
Review the estimate. If damage was missed, you can ask for a supplement or re-inspection with supporting photos.

Be careful with door-to-door roofers who show up right after a storm, especially from out of town.
Since November 2022, Oklahoma law bars roofing contractors from advertising or promising to pay all or part of your insurance deductible (HB 1940). An offer to "cover your deductible" is a red flag.
Don't sign anything that hands control of your claim to a contractor.
Check reviews, a local address and proof of insurance before hiring.