Claim Assistance & Supplementation in Oklahoma City, OK

FullClaim Restoration is named for what it does. We file the full claim — every damaged component the carrier should cover, documented to the standard the carrier expects, with supplements filed when the initial scope underpays.

The Oklahoma homeowners insurance market has tightened significantly since 2021. Carriers face higher hail-loss frequency than almost anywhere in the country, and the response has been stricter underwriting, higher deductibles, and tighter claim-scope discipline at the adjuster level. The result for homeowners is that the first check rarely covers the full restoration cost. Common underpayment patterns:

• Hail bruise miscount — adjuster counted six hits per square; manufacturer requires eight to functionally damage the roof; the difference between repair and replacement
• Soft-metal damage missed — adjuster looked at shingles only; gutter dents, vent caps, A/C condenser fins all show impact damage that supports the claim
• Code upgrade not filed — Oklahoma adopted the 2018 IRC; older homes need code upgrades on rebuild that are covered under Coverage D but only if the contractor files
• ACV depreciation applied to RCV components — adjuster depreciated items the policy specifies should pay at replacement cost
• Skylight and chimney flashing skipped — adjusters consistently miss vertical-surface and penetration damage

1. 1 First-call review — before you file with the carrier, we look at the damage and tell you whether a claim is the right move (sometimes it isn't)
2. 2 Xactimate-grade documentation — we use the same software and pricing database your adjuster uses, producing line-item scopes the carrier can't dismiss
3. 3 Adjuster meeting — we meet your adjuster on-site, walk the damage together, and address scope disagreements in real time before they become claim disputes
4. 4 Supplement filing — when the initial scope underpays (which is most of the time), we file the supplement with photo documentation, cost backup, and policy citations
5. 5 Public adjuster coordination — when a claim escalates to the point of needing a public adjuster, we work with them rather than against them; many of the supplements we file are won jointly

Oklahoma law (36 O.S. §1250.1 et seq.) requires carriers to respond to supplemental claims within 30 days, prohibits unreasonable delays, and prohibits low-balling settlements known to be inadequate. We cite the statute in supplement filings when the carrier drags its feet, and the Oklahoma Insurance Department processes complaints under it. Most homeowners don't know the protections exist.

Claim assistance isn't a separate fee. It's built into the cost of the work. We're paid by the carrier as part of the contractor scope; the homeowner pays only the deductible. There are no hidden fees, no public-adjuster commissions, no supplement charges. The full-claim advocacy is the value proposition; charging separately for it would defeat the purpose.

Call before you call your carrier if you're unsure whether the damage warrants a claim. Call after your adjuster's visit if the scope feels low. Call after settlement if you've received a check and don't think it covers the actual restoration cost — many supplements are filed post-settlement, and we've recovered five-figure additional payments on claims that homeowners had already accepted.