Frequently asked.

A public adjuster is licensed to represent you—the policyholder—not the insurance company. We inspect and document damage, prepare your claim, and negotiate with your insurance company so you are not handling a complex process alone.

The adjuster assigned by your insurer works for the insurance company. Their job is to evaluate the loss under the policy on the company’s behalf. A public adjuster works only for you, with the same technical tools, but toward a complete and fair settlement.

HAAG Certified means our inspectors completed training from Haag Education—the industry standard for identifying and documenting hail, wind, and storm damage on roofs. It helps ensure your claim is backed by forensic inspection methods insurance companies recognize, not guesswork. Learn more at Haag Education .

We start with a free property inspection and consultation, so there is no upfront cost. If you hire us, our fee is contingency-based and disclosed in writing up front per Oklahoma rules—never more than 10% of the amount we recover for you. We are not entitled to money you have already recovered before hiring us; our fee applies to the additional recovery we help secure.

Not just because you hired help. Insurance companies set premiums based on things like where you live, your coverage, and storm and claims trends in your area—not on whether you used a public adjuster. When you have real, covered damage, filing a claim is what your policy is for. We can talk through your situation honestly during a free consultation.

In Oklahoma you generally have about 24 months from the date of the storm or event to file, though your specific policy can set its own deadlines. Because proving a loss gets harder over time, it is best to document damage and call us as soon as you notice it.

Most property policies cover direct physical loss from a specific occurrence—such as a tornado, fire, wind, flood, hail, or other storms. If a covered event damaged your home or business, you likely have a claim. The free review tells you where you stand before you commit.

You can call us first. Many clients do. We help you understand whether a claim makes sense, what to document, and how to notify your insurer. If you already filed, we can still step in—especially if the offer feels low or the claim stalls.

Yes. Policyholders often call us mid-claim when estimates do not match the damage, the insurance company requests more proof, or payments are delayed. We can take over documentation and negotiation while you stay informed.

That is one of the most common reasons people hire a public adjuster. We review the denial or payment, identify missing documentation or scope, and pursue reopening, supplements, or dispute resolution as your policy and Oklahoma law allow.

Public adjusters handle claim preparation, evidence, and settlement negotiation under your policy. Attorneys are appropriate for coverage disputes, bad-faith litigation, or legal questions. We focus on the technical claim; we will tell you if counsel is the better next step.

No. We document damage with HAAG-trained inspectors and industry-standard estimating. Contractors can repair after scope is agreed; involving us early often prevents gaps between what you see on the roof and what ends up in the claim file.

Timelines vary by damage, insurance company workload, and whether supplements or disputes arise. A straightforward hail claim may resolve in weeks; complex losses can take months. We keep you informed at each phase and push stalled files forward.

Hail, wind, tornado and storm damage, water intrusion, fire, and related property losses for homes and businesses across Oklahoma.

We are based in Noble and serve Norman, Cleveland County, and homeowners and businesses throughout Oklahoma. Call 405-434-7658 to confirm coverage for your address.

Yes. Our adjusters are licensed in Oklahoma. Verify licenses through the Oklahoma Insurance Department .

As soon as you notice damage—or if your claim was underpaid or denied. Documenting losses early helps protect your rights under the policy.