Need to file a claim? Start here.

Why call us before filing

Many homeowners and businesses dial their carrier's 1-800 number first when something happens. We'd ask you to call us first. Here's why:

• We can review your deductible — especially the wind/hail deductible, which is often misunderstood.
• We can help you decide whether the claim is worth filing or whether out-of-pocket repair makes more sense long-term.
• We can prep documentation with you before the adjuster sees anything.
• We can stay involved through the adjuster visit and any disputes about scope or payment.
• We know which carrier reps handle Oklahoma claims fairly and can escalate if needed.

The phone call costs nothing and protects you from filing decisions you might later regret. We're at 405-216-4979.

What to do immediately

1. Make sure everyone is safe. Watch for hazards — downed lines, structural damage, water near electrical equipment.
2. Document everything with photos and video — every angle, wide shots and close-ups, all damage and surrounding context.
3. Prevent further damage with reasonable temporary repairs — tarping a roof, boarding broken windows, drying soaked areas. Keep all receipts.
4. Make a list of damaged items with approximate ages and values.
5. Call us at 405-216-4979 before signing anything with anyone.
6. Don't sign assignment of benefits (AOB) paperwork with contractors, roofers, or restoration companies.

For Oklahoma storm damage specifically

Hail, tornado, wind, and ice damage have specific considerations — wind/hail deductibles, roof-age depreciation, storm-chaser roofers, and more. We've put together a comprehensive Oklahoma Storm Claims Guide that walks through everything you need to know.

Major carrier claim phone numbers

You can file claims directly with your carrier 24/7. If we placed your policy, we have access to your file and can stay involved. Call us at 405-216-4979 and we'll connect with the carrier's adjuster team on your behalf.

• Progressive: 1-800-776-4737
• Travelers: 1-800-252-4633
• Nationwide: 1-800-421-3535
• Liberty Mutual: 1-800-225-2467
• Safeco: 1-800-332-3226
• Mercury: 1-800-503-3724
• The Hartford: 1-800-243-5860
• Foremost: 1-800-527-3907
• Bristol West: 1-800-274-7865
• National General: 1-800-468-3466

Don't see your carrier? Call us — we'll get you the right number quickly.

What we do once a claim is open

1. Confirm coverage — review your declarations page and explain exactly what's covered and at what deductible.
2. Coordinate the adjuster visit — we can be present, on the phone, or simply available to answer questions.
3. Review the estimate — look for missed scope, depreciation that should be recoverable, and items the adjuster may have overlooked.
4. Push back when warranted — if something is wrong, we know how to escalate within the carrier.
5. Coordinate with contractors — many claims require supplements as additional damage is discovered during repairs. We facilitate.
6. Monitor your renewal — make sure the claim doesn't affect your premium more than it should.