Roofing, metal roofing and metal building work performed by Jose's Construction, a licensed Oklahoma roofing contractor (license #80002601). ECS Enterprises Inc. handles your estimate and project coordination.
The short version
Oklahoma law (59 O.S. § 1151.30) says a roofing contractor may not advertise or promise to pay, directly or indirectly, all or part of your insurance deductible, or offer to compensate you for providing any service, as an inducement to sell roofing work paid from an insurance claim.
What the law covers
- Residential and commercial roofing contractors.
- Repair or improvement work paid by the homeowner from property or casualty insurance proceeds.
- Advertising or promising to pay all or part of the deductible, directly or indirectly.
- Offering to compensate the insured for providing any service, as an inducement to the sale.
What roofers must do
Every roofing contractor must give written notice of this rule with its initial estimate. The adjuster or insurer must also include the notice in its initial estimate on the claim.
If a roofer breaks the rule
The insurer is not obligated to consider that roofer's estimate. Any person can file a verified written complaint with the registrar, who forwards it to the Oklahoma Insurance Department and the Office of the Attorney General, and refers it to the district attorney.
How we handle it
We never offer to pay or waive a deductible, and every written estimate includes this notice. Roofing work is performed by Jose's Construction, a licensed Oklahoma roofing contractor (license #80002601). Your insurance company decides coverage; we document what we find with dated photos and a written scope.
Source
Oklahoma Statutes, Title 59, § 1151.30, added by Laws 2022, c. 331, § 1; amended by Laws 2025, c. 367, § 1, effective Nov. 1, 2025. Read the full text.
How it works
Three simple steps
- Request your estimate
Use the quick form, call or text. It takes about 30 seconds. - Roof inspection
We inspect the roof, take dated photos and explain what we find in plain language. - Written estimate and work
You get a written estimate. If you go ahead, Jose's Construction performs the work and we coordinate it.
Your free inspection
See what we see, before you decide anything
Most hail damage can't be seen from the ground. Your free inspection comes with photos and a plain-English summary, so you can make a call with real information.
- Every slope checked: shingles, ridge, flashing, vents and pipe boots.
- Dated photos of anything we find, sent to your phone.
- Straight answer: repair, replace, or leave it alone.
- Written estimate you can share with your adjuster if you file a claim.
Illustration of the kind of summary you get. Every roof is different.
Questions
Frequently asked questions
Can a roofer pay or waive my insurance deductible in Oklahoma?
No. Under 59 O.S. § 1151.30, a residential or commercial roofing contractor working on a job paid from property or casualty insurance proceeds may not advertise or promise to pay any part of your deductible, directly or indirectly, as an inducement.
Can a roofer offer me money or a credit for a yard sign or for letting them use photos?
The same section bars a roofer from offering to compensate an insured for providing any service as an inducement to the sale. We do not make those offers.
What happens if a roofer breaks this rule?
The statute says the insurer is not obligated to consider that roofer's estimate. Anyone can file a verified written complaint with the registrar, which is forwarded to the Oklahoma Insurance Department and the Attorney General.
Will I get this notice in writing?
Yes. The law requires every roofing contractor to give written notice of this rule with the initial estimate, and the adjuster or insurer must include it in their initial estimate too. Our written estimates include it.
Do I still pay my deductible if my claim is approved?
Your deductible is set by your policy, and your insurance company decides what a claim covers. Ask your agent or insurer about your own deductible.
Is this legal advice?
No. This page summarizes the statute in plain language. Read the full text at the link on this page, and talk to your insurer or an attorney about your situation.
Service area
All of Central Oklahoma. We travel.
Serving all of Central Oklahoma: the OKC metro and surrounding counties. We travel to rural properties across Central Oklahoma, including homes, shops and barns with metal roofs. We do not decide insurance claims; your insurance company decides coverage.
Map is approximate. Not sure if we come to you? Call 405-823-2831.
Town pages
- Edmond
- Oklahoma City
- Deer Creek / North OKC
- Guthrie
- Arcadia
- Norman
- Moore
- Yukon
- Mustang
- Midwest City
- Del City
- Piedmont
- Choctaw
- Shawnee
- El Reno
- Chickasha
- Stillwater
- Blanchard
- Newcastle
- Tuttle
- Harrah
- Jones
- Luther
- Kingfisher
- Perkins
- Chandler
- Prague
- Meeker
- Wellston
- Crescent
- Okarche
- Hennessey
- Minco
- Purcell
- Lexington
- Tecumseh
- McLoud
- Washington
- Lindsay
- Pauls Valley
- Cashion
- Marlow
Ready for a free, no-obligation estimate?
Call, text or use the 30-second form. Serving all of Central Oklahoma.
Get my free estimate Call 405-823-2831