YUKON, Okla. – May 8, 2026, put a lot of new roofs on the south and southwest side of Yukon. This is where my family and I live, and I've talked with a lot of you since.

Here's what I keep seeing. The roof gets replaced, the claim gets closed, and the policy still has the old roof on it. That can mean you're paying for a roof you don't have anymore.

Call or text (405) 494-6550 to schedule a call with Keagan or the team, and say, "I updated my roof. How can you help?"

Why your policy might still show the old roof

A lot of the time, your roofer works right alongside the claims adjuster for you. That can be a good thing. It takes a lot off your plate.

But there are a lot of steps in the middle, and one gets missed more than you'd think. On many policies, once the work is done, the insurance company pays out the recoverable depreciation. That's the part of the roof money held back until the job is finished. Then the claim closes.

What often doesn't happen is the roof getting updated on your policy. The claim and the policy are usually handled by different people, and even with all the technology out there today, that update often doesn't make it to your agent or the service team.

If you paid for the roof yourself, most of the time your insurance company won't know unless you tell it.

Either way, when the job's done, call or text us. We'll check what your policy shows and help you get the new roof updated.

"If your rate doesn't reflect your new roof, every month you wait may cost you."

Keep the paid invoice, not just the estimate

You've got to have the roof receipt: a paid invoice from your roofer that shows the job is complete. On many claims, the adjuster needs it to pay out any recoverable depreciation. Your insurance company needs it too, as proof of the new roof.

One thing I'd highly recommend: ask your roofer to list the type of roof on that invoice. If it's impact resistant, Class 3 or Class 4, make sure that's on there. It helps your insurance company rate the roof correctly, and with some companies it can change your rate.

Here's why it's worth the call. When a new roof gets updated on a policy, we've seen the home premium come down anywhere from 15% to 30% or more*, depending on the company, the roof and a lot of other factors. For a lot of families, that's hundreds of dollars a year, sometimes more. If your policy still shows the old roof, that's money you may be leaving on the table.

Make sure the depreciation comes off, too

Here's another one that often gets missed. A lot of people had actual cash value on their old roof. That means the roof was depreciated: a claim pays what the old roof was worth, with its age taken off. Some policies use a roof payment schedule instead. It works like actual cash value, but it's different: the schedule spells out exactly how much depreciation comes off for each year of the roof's age.

With many companies, when you get a new roof, replacement cost can come back on that roof. It depends on the company and the policy. But sometimes what we've seen is the roof year gets updated and the depreciation endorsement doesn't get removed. So now you have a brand-new roof, and your policy would still pay it out at a depreciated value. The price can look fine, but a claim would pay significantly less than replacement cost would. That's not where you want to be.

Call or text (405) 494-6550 to schedule a call with Keagan or the team, and say, "I updated my roof. How can you help?" We'll check whether your new roof is back on replacement cost and whether that depreciation endorsement is still on, and show you where it's written in your policy.

What we're going to do when you call

That's the New-Roof Rate Check. It works by phone or text, wherever you are in Oklahoma, or at any of our offices in Yukon, Enid or Edmond. Looking doesn't commit you to anything. A licensed agent on our team is going to:

1. Ask how the roof claim went, if you filed one. What did you learn? What would you change next time? That helps us shape your coverage around it.
2. Look at the coverage you have now, so we know exactly what we're comparing.
3. Look at what AAA and other companies can offer you, and do the legwork for you. Your home, and your auto too if bundling makes sense, with the actual rates side by side.
4. Talk through the coverages and what each company offers you, so you're comparing more than a price.
5. Take a hard look at your wind and hail deductible. That's what you pay before insurance kicks in. More and more, we're seeing many companies move to a wind and hail deductible of 1.5% to 2% of what your house is insured for. AAA offers some very competitive options, all the way down to a flat $2,500 deductible. We'll show you the difference, and you decide.

If the honest answer is "stay right where you are," I'll tell you.

What to have handy

• The roofer's paid invoice, showing the job is complete (or the month the work was finished)
• The roof type, and any impact rating like Class 3 or Class 4
• Who paid for it: you, or your insurance company
• Your declarations page (the page that lists your coverage and what you pay)

Keep them together. You'll want them again if you ever sell the house.

What people ask me

"I already paid for the year. I'll look at renewal." That's fair, and you don't have to change a thing today. We'll lay out the facts, show you the different paths you could take, and help you understand each one, including how your current company handles any refund. Then you make the call, and we'll help and support you whichever way you go.

"My roof went on back in the summer. Is it too late?" No. If your policy still shows the old roof, it's worth fixing now.

"Do I have to switch?" No. You find out, and you decide.

Why now

The New-Roof Rate Check runs through the end of the year, and that's a good time to look.

Where these facts come from: Oklahoma Insurance Department, FAQs(actual cash value, replacement cost and the second payment) and home and auto rate tips(separate wind and hail deductibles, typically one or two percent); the rest is what we see on our clients' policies. How a company handles it varies by company and by policy.

What's on your mind? Call or text (405) 494-6550 to schedule a call with Keagan or the team, and say, "I updated my roof. How can you help?"

*What we've seen on some of our clients' policies when a new roof was updated. It isn't a promise of what will happen with yours. Your premium depends on the company, your home, your roof and many other factors.