Tulsa Storm Season: How to Protect Your Roof from Hail and Wind Damage

If you live in Tulsa, you're no stranger to severe weather. Situated in the heart of Tornado Alley, Oklahoma experiences more than its share of powerful thunderstorms, large hail, damaging winds, and tornadoes. Your roof is your home's first line of defense against these elements—and often the first casualty when storms strike.

This comprehensive guide will help Tulsa-area homeowners prepare for storm season, identify damage, and recover quickly when Mother Nature doesn't cooperate.

Understanding Tulsa's Storm Season

When to Expect Severe Weather

While storms can happen year-round in Oklahoma, peak severe weather season runs from March through June, with a secondary peak in October and November. During these months, Tulsa experiences:

• Hailstorms: Oklahoma ranks in the top 5 states for hail frequency, with stones ranging from pea-sized to softball-sized
• High Winds: Straight-line winds often exceed 60-80 mph during severe thunderstorms
• Tornadoes: Tulsa County averages 2-4 tornadoes annually
• Heavy Rain: Flash flooding from intense rainfall can compound roof damage

Why Tulsa Roofs Are Vulnerable

Oklahoma's climate presents a perfect storm (pun intended) for roof damage:

• Dramatic temperature swings stress roofing materials
• Intense UV exposure degrades shingles faster
• High humidity can lead to premature aging
• Hail impacts directly damage shingles and underlying structures
• Strong winds can lift, tear, or completely remove roofing materials

Pre-Storm Roof Preparation

Spring Inspection (Before Storm Season)

Schedule a professional roof inspection in February or March, before peak storm season. A qualified tulsa roofing contractor will check for:

Shingle Condition:

• Missing, cracked, or curling shingles
• Granule loss (shingles look "bald")
• Age-related deterioration
• Previous damage that wasn't repaired

Structural Issues:

• Damaged or improperly installed flashing
• Damaged vents, chimneys, or skylights
• Sagging or uneven sections
• Compromised roof decking

Gutters and Drainage:

• Clogged or damaged gutters
• Improper drainage causing water pooling
• Downspouts directing water toward foundation

DIY Maintenance Tasks

While major work requires professionals, homeowners can:

Trim Overhanging Branches

Trees provide shade and curb appeal, but overhanging branches can:

• Scrape and damage shingles during high winds
• Fall onto the roof during storms
• Provide rodent access to your roof and attic

Trim branches that hang within 10 feet of your roof.

Clean Gutters

Clogged gutters can cause water to back up under shingles, leading to leaks and wood rot. Clean gutters twice a year (spring and fall).

Inspect from Ground Level

You don't need to climb on your roof to spot obvious issues. Use binoculars to check for:

• Missing or damaged shingles
• Damaged flashing around chimneys or vents
• Algae growth (black streaks)
• Sagging areas

Check Your Attic

After heavy rains, inspect your attic for:

• Water stains on roof decking
• Daylight showing through roof boards
• Damaged or wet insulation
• Signs of leaks around chimneys or vents

Storm-Proofing Upgrades

If your roof is aging or you've had previous storm damage, consider these upgrades:

Impact-Resistant Shingles

Rated on a scale of 1-4 (Class 4 being the highest), impact-resistant shingles can:

• Withstand hail up to 2 inches in diameter
• Qualify for insurance discounts (10-30% in Oklahoma)
• Last longer in harsh weather

Proper Ventilation

Adequate attic ventilation prevents moisture buildup and helps shingles last longer. It also reduces ice damming in winter.

Enhanced Flashing

Properly installed, high-quality flashing prevents water intrusion around vulnerable areas like chimneys, vents, and valleys.

Identifying Storm Damage

hail damage

Hail damage isn't always obvious from the ground. Look for these signs:

On Your Roof:

• Dented or cracked shingles
• Missing granules (black spots where asphalt shows through)
• Bruising (soft spots when pressed)
• Circular damage patterns
• Cracked or broken tiles (for tile roofs)

Around Your Property:

• Dented gutters, downspouts, or vents
• Dented air conditioning units or outdoor equipment
• Damaged siding or window screens
• Damaged car hoods or windshields
• Landscape damage (shredded leaves, broken branches)

Wind Damage

Strong winds can cause:

• Missing shingles: Complete sections blown off
• Lifted shingles: Edges raised, breaking the seal
• Torn shingles: Partial removal or tearing
• Punctures: From flying debris
• Damaged flashing: Lifted or torn around chimneys and vents

When to Get a Professional Inspection

After any significant storm in the Tulsa area, especially if you observe:

• Hail larger than 1 inch in diameter
• Winds exceeding 50 mph
• Visible damage to gutters, siding, or outdoor equipment
• Any neighbors getting new roofs (insurance claim indicator)

Don't delay: Some damage isn't immediately visible but worsens over time.

Working With Insurance After Storm Damage

Step 1: Document Everything

Before calling your insurance company:

• Take photos and videos from multiple angles
• Document damage to roof, gutters, siding, windows
• Take photos of damaged landscaping or vehicles
• Note the storm date and any weather service reports
• Check websites like StormViewer.com for hail reports in your area

Step 2: Contact Your Insurance Company

Call your homeowners insurance provider as soon as possible after discovering damage. Have your policy number ready. The insurer will:

• Assign a claim number
• Schedule an adjuster visit
• Explain the claims process
• Outline your deductible

Step 3: Get a Professional Inspection

Before the adjuster arrives, have a reputable Tulsa roofing contractor inspect your roof. They can:

• Identify damage the adjuster might miss
• Provide a detailed estimate
• Be present during the adjuster's inspection (if you request it)
• Help document damage thoroughly

Important: Beware of "storm chasers"—unlicensed contractors who appear immediately after storms. Verify licensing and local reputation before signing anything.

Step 4: Meet With the Adjuster

When the insurance adjuster arrives:

• Be present for the inspection
• Point out all damage you've identified
• Provide your contractor's inspection report
• Ask questions about coverage
• Get a copy of the adjuster's report

Step 5: Review the Settlement

If approved, your insurance will issue a settlement typically paid in two parts:

• Actual Cash Value (ACV): Depreciated value, paid upfront
• Recoverable Depreciation: Remaining amount, paid after completion

Step 6: Choose a Contractor

Select a licensed, insured Tulsa roofing contractor who:

• Has Oklahoma contractor license
• Carries liability and workers' comp insurance
• Has strong local reputation and references
• Provides written estimates and warranties
• Understands insurance claim processes
• Won't ask for full payment upfront

Step 7: Complete Repairs

Once you hire a contractor:

• Get a written contract outlining scope of work
• Understand the timeline
• Maintain open communication
• Pay only according to the agreed schedule
• Request final inspection and warranty documents

Insurance Claim Tips for Tulsa Homeowners

Know Your Coverage:

• Most Oklahoma policies cover hail, wind, and tornado damage
• Understand your deductible (often percentage-based: 1-2% of home value)
• Know what's excluded (typically: neglect, wear and tear, existing damage)

Act Quickly:

• Oklahoma law requires claims within 1-2 years of damage
• Sooner is better—delays can complicate claims
• Temporary repairs to prevent further damage are usually covered

Be Honest:

• Never exaggerate damage or make false claims
• Provide accurate dates and storm information
• If you're unsure, say so rather than guessing

Understand Depreciation:

• Older roofs receive depreciated settlements
• Cosmetic damage may not be covered on old roofs
• Full replacement cost coverage is worth the premium

Emergency Storm Response

Immediate Actions After Severe Damage

If your roof is severely damaged during a storm:

1. Ensure Safety

• Don't go on a damaged roof—it's dangerous
• If there's structural damage, evacuate if necessary
• Watch for downed power lines
• Document damage from the ground or through windows

2. Prevent Further Damage

• Place buckets under active leaks
• Move valuable items away from leaks
• Use tarps to cover holes (if safely accessible from inside attic)
• Turn off electricity in affected areas if water is present

3. Call for Emergency Tarping

Many Tulsa roofing companies offer 24/7 emergency tarping services to prevent water damage while permanent repairs are scheduled.

4. Contact Your Insurance

Report major damage immediately, even if it's after business hours. Most insurers have 24/7 claim reporting.

Finding Emergency Roofing Services in Tulsa

Keep contact information for emergency roofing services handy before storm season. Look for contractors who offer:

• 24/7 emergency response
• Temporary tarping services
• Fast insurance claim assistance
• Service to your area (Tulsa, Broken Arrow, Jenks, Bixby, Owasso)

Choosing the Right Roofing Material for Oklahoma Weather

If you're replacing your roof, consider materials that stand up to Oklahoma's harsh conditions:

Asphalt Shingles (Most Common)

• Pros: Affordable, widely available, Class 4 options available
• Cons: Shorter lifespan in harsh climates (15-25 years)
• Best for: Budget-conscious homeowners, quick replacement

Metal Roofing

• Pros: Extremely durable, fire-resistant, reflects heat, lasts 40-70 years
• Cons: Higher upfront cost, can dent from large hail
• Best for: Long-term investment, energy efficiency

Impact-Resistant Shingles

• Pros: Specifically designed for hail resistance, insurance discounts
• Cons: Slightly higher cost than standard shingles
• Best for: Hail-prone areas (like Tulsa!)

Tile or Slate

• Pros: Extremely durable, fire-resistant, long-lasting (50+ years)
• Cons: Very expensive, heavy (requires structural support)
• Best for: Upscale homes, architectural styles suited to tile

Red Flags: Avoiding Roofing Scams After Storms

Unfortunately, major storms bring out scammers. Watch for these warning signs:

Storm Chasers:

• Out-of-state contractors with no local presence
• High-pressure sales tactics
• Offer to waive your insurance deductible (illegal in Oklahoma)
• Ask for large upfront payments
• Have no verifiable local address or license

Too-Good-to-Be-True Offers:

• Prices significantly lower than other bids
• "We're working on your neighbor's roof and have materials left over"
• Free inspections that find extensive damage (when others found minimal issues)

Verify Before Hiring:

• Oklahoma contractor license through Construction Industries Board
• Local business address and phone number
• References from recent Tulsa-area projects
• Proof of liability and workers' comp insurance
• Written estimate and contract

Roof Maintenance Schedule for Tulsa Homeowners

Spring (March):

• Professional inspection before storm season
• Address any winter damage
• Clean gutters and downspouts
• Trim overhanging branches

Summer (June-July):

• Check for storm damage after severe weather
• Inspect attic for leaks after heavy rains
• Check for algae growth (black streaks)

Fall (October):

• Clean gutters of fallen leaves
• Inspect flashing and seals
• Check for granule loss in gutters
• Prepare for winter

Winter (January):

• Check for ice damming
• Inspect attic for condensation
• Document roof condition for insurance

After Every Severe Storm:

• Visual inspection from the ground
• Check for obvious damage
• Schedule professional inspection if concerns exist

Conclusion: Preparation Is Your Best Defense

Living in Tulsa means accepting that severe weather is part of life. But preparation, quick action, and working with qualified local contractors can minimize damage, reduce stress, and ensure your home remains protected.

Key Takeaways:

• Schedule pre-season inspections every spring
• Know how to identify hail and wind damage
• Document everything for insurance claims
• Work with licensed, local contractors
• Don't wait to address damage—it only gets worse
• Keep emergency roofing contact information handy

Your roof is your home's primary defense against Oklahoma's severe weather. Invest in maintaining it, inspect it regularly, and act quickly when damage occurs. The few hundred dollars spent on preventive maintenance can save tens of thousands in storm damage repairs.

Looking for trusted roofing contractors in Tulsa? Visit 918pros.com to find licensed, verified roofers serving Tulsa, Broken Arrow, Jenks, Bixby, and the entire 918 metro area. Be storm-ready before the next severe weather hits.