Hail and storm damage gutter repair in Tulsa

Hail season and what it does to gutters

Tulsa's hail runs April through June, with the worst of it usually in May. Golf-ball hail dents the front lip of a K-style gutter, knocks end caps loose, and flattens the exposed face of downspouts on the side the storm came from. Larger stones split miters and punch through old, thin aluminum. Wind that comes with the same storm lifts loose runs and peels them back.

A lot of it is cosmetic. A dimpled bottom or a dented back does not change how a gutter drains. But a front lip that has been beaten inward holds water and debris, a flattened downspout carries a fraction of what it should, and an end cap that has been knocked open drains onto the foundation. The distinction matters because the adjuster will ask about it, and so will you when you decide what to replace.

Why gutters belong on the roof claim

When hail totals a roof in Tulsa, the roofer writes the scope, the adjuster inspects, and the gutters are often a line the roofer skips or lowballs because they do not install gutters. Then the roof goes on, the drip edge is set against a dented, sagging gutter, and a year later you are paying out of pocket for what the claim should have covered. Hail damage gutters Tulsa adjusters see are covered the same way the roof is: sudden damage from a named event is what a homeowners policy is for. Age and wear are not, so a gutter that was already rusting through gets argued.

What we do on a hail job

1. Photograph and measure every run and downspout before anything is touched: dent counts per 10 feet, flattened downspouts, split corners, sections pulled loose. A test square on the gutter the same way the roofer does one on the roof.
2. Write a scope with linear feet, gutter size and gauge, downspout count and size, and fascia condition, in the format an adjuster expects. It goes to you and to your roofer to attach to the claim.
3. Secure what is hanging so the next storm does not do more damage while the claim is processed.
4. Replace after the roof. New seamless runs go up the day after the roofer finishes, so the drip edge and gutter meet correctly. See the installation page for what is included.

Deductibles and Oklahoma policies

Most Oklahoma homeowners policies now carry a separate wind and hail deductible, often 1% or 2% of the dwelling coverage — $3,000 to $6,000 on a $300,000 house. That deductible applies to the whole claim, roof and gutters together, which is the argument for filing the gutters with the roof rather than separately. Some policies also pay roofs at actual cash value rather than replacement cost after a certain age. Ask your agent which you have, and read the Oklahoma Insurance Department's guidance on storm claims before you sign anything with a contractor who shows up the morning after.

Ice storms count too

Sudden damage is sudden damage. A gutter torn off by the weight of ice, or by a pecan limb that came down under ice, is generally a covered loss the same way hail is. The difference is timing: the adjuster needs to see it before it is cleaned up, so photograph it from the ground first and call us before the limb is cut away.

Storm chasers

After a big Tulsa hailstorm, out-of-town crews knock doors for weeks. Oklahoma requires roofing contractors to register with the Construction Industries Board; it does not license gutter contractors at all, so anyone can hand you a gutter card. Ask for proof of general liability and workers' compensation insurance, a local address, and a written scope before you sign an assignment of benefits. Any gutter repair or replacement we do on a claim is priced the same as any other job, and we do not take a deposit until the work is scheduled.