Insurance and Licensing Scams in Oklahoma

Even if you’re adjusted to Oklahoma’s intermittent weather, the temperatures lately have made the Olympics in Sochi seem like a balmy retreat. Although your main concern is going to be making sure your insulation is in condition to help you stay warm this winter, you don’t want to neglect your roof. Storm season is quickly approaching, and with it are dangers a little scarier than a high utility bill.

Bad Weather Brings Bad News

Your roof really takes a beating, especially with Oklahoma’s weather. The quick changes between bitter cold and balmy warmth can take a toll, and when combined with heavy snow, rain, and wind, your roof doesn’t stand much of a chance. Even if you had the forethought to put a protective sealant on your roof last fall, it isn’t invincible.

The most common signs of storm damage are:

• Buckling
• Missing or Displaced Shingles
• Sagging or Watermarked Ceiling
• Discolored or Rotted Shingles
• Other Visible Signs such as dents, holes, etc

While damage to your roof can be upsetting, things could be worse. Just how much do you trust your roofer? Aside from a free roof inspection, we have more to offer than you may realize.

Roofing in Oklahoma

Oklahoma law doesn’t require any roofer or contractor to have a license. To get a license, the roofer or contractor must carry insurance and worker’s compensation. Roofers without a license likely don’t carry insurance, which means they won’t reimburse you if their work is less than satisfactory. Because the state doesn’t have much regulation in place, it’s common for out-of-state companies to come in following bad weather and offer their services for incredibly low rates.

In addition to not having to carry insurance or licensing, some roofing companies may falsely advertise themselves as public adjustors. Any roofing contractors that claim to be “claim specialists” or “claim analysts,” or refer to “denied claims,” “deductibles,” or “dealing with insurance companies,” may be acting as an unlicensed public adjustor.

For your roofing contractor to legally act as a negotiator between you and your insurance company, they must be licensed as a public adjustor. Even when licensed, there is a limit to what they are able to do on your behalf.

Instead of risking paying for your roof twice, why not do it right the first time? Contact us if you need your roof repaired and we’ll be happy to help!