Oklahoma roofing supplement law (2026)
Oklahoma has no statutory matching law, but the Oklahoma Insurance Department (OID) has issued guidance supporting matching when partial replacement would result in a non-uniform appearance.
Oklahoma has no statutory matching law, but the Oklahoma Insurance Department (OID) has issued guidance supporting matching when partial replacement would result in a non-uniform appearance.
Both available. Most policies in tornado alley carry a 1–2% wind/hail deductible.
Recoverable depreciation released on completion. Submit final invoice + photos within 180 days of ACV payment.
5 years from date of loss for written contracts under 12 O.S. §95.
Public adjusters must be licensed. Roofing contractors require Oklahoma Construction Industries Board (CIB) license.
Oklahoma adopts the 2018 IRC. Carriers must pay for code-mandated decking re-nail and drip edge under Ordinance & Law coverage.
Top carriers in Oklahoma
- State Farm
- Farmers
- Allstate
- Shelter
- Liberty Mutual
Shelter (OK HQ) typically pays supplements without dispute. State Farm leads market share — expect 7–14 day supplement cycles.
Pro tips
- Tornado + hail season is March–June. Plan inventory and crews accordingly.
- Oklahoma City and Tulsa metros have the highest hail loss frequency per capita in the US.
- Shelter Insurance (OK-based) is one of the easiest carriers to supplement — always start with a clean cite.
Frequently asked questions
Does Oklahoma have a roof matching law?
Oklahoma has no statutory matching law, but OID guidance supports matching when partial repair would create visible mismatch.
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