Your rights after hail in Oklahoma

Roofers must be registered with the state

Under the Roofing Contractor Registration Act, every roofer working in Oklahoma must be registered with the Construction Industries Board. Roofers must show their registration number on advertising, contracts and bids.

Look up any roofer before you sign at verifyroofing.cib.ok.gov. If a roofer cannot give you a registration number, keep looking.

No roofer can pay or waive your deductible

When a roof is paid for with insurance money, Oklahoma law bars the roofer from advertising or promising to pay any part of your deductible, directly or indirectly. Roofers also cannot offer to compensate you as an inducement to hire them (Oklahoma Statutes, Title 59, Section 1151.30).

If a roofer breaks this rule, your insurer does not have to consider that roofer's estimate. Roofers and adjusters must give you written notice of this law with their estimates.

Since November 1, 2025, anyone can file a written complaint about a violation. Those complaints are public and are forwarded to the Oklahoma Insurance Department and the Attorney General.

You can cancel after a claim denial

If your roofing contract is to be paid from insurance, you can cancel it within 72 hours after your insurer tells you in writing that all or part of the claim is denied. The roofer must return any payments you made within 10 days (Oklahoma Statutes, Title 59, Section 1151.21).

Only licensed public adjusters negotiate for you

A public adjuster is someone paid to act for you in negotiating or settling a property claim, and must be licensed by the Oklahoma Insurance Department. A roofer cannot act as your public adjuster.

What a roofer can do: recommend that you file a claim, give you an estimate, attend the adjuster's inspection and answer the adjuster's questions about the damage.

Where to get help

Insurance claim problems: Oklahoma Insurance Department consumer assistance, or file a complaint online.
Roofer registration: Construction Industries Board registration search.
Disputes over a claim amount: check your policy for an appraisal clause, or talk with a licensed public adjuster or attorney.

This page summarizes Oklahoma law in plain language. It is general information, not legal advice.