The best defense against storm damage is good maintenance and preparation before the storms hit.
Fall in Oklahoma is a time of changing weather — and sometimes that means strong winds, hail, and even late-season tornadoes. The best defense against storm damage is good maintenance and preparation before the storms hit.
1. Start with a Roof Inspection
Your roof takes the brunt of Oklahoma’s weather. Before storm season, check for:
- Missing or curled shingles
- Exposed nails or lifted flashing
- Soft spots or sagging areas
- Cracked sealant around vents or skylights
A licensed roofer can spot small issues before they become major leaks. Preventive maintenance now can save thousands in repairs later — and keep your insurance claims record clean.
2. Clean and Secure Gutters & Downspouts
Clogged gutters are one of the top causes of water damage during heavy rain.
- Remove leaves, twigs, and debris.
- Check that downspouts direct water at least 5–10 feet away from the foundation.
- Consider adding gutter guards to minimize clogs.
Proper drainage reduces the risk of roof leaks, siding rot, and basement seepage.
3. Trim Trees and Secure Outdoor Items
Strong Oklahoma winds can turn branches and outdoor furniture into projectiles.
- Trim limbs that hang over your roof or power lines.
- Secure patio furniture, grills, trampolines, and decorations before storms.
- If you have fencing, make sure posts are sturdy and gates latch tightly.
A few minutes of yard prep can prevent major property damage.
4. Check Windows, Doors, and Weather Seals
Inspect caulking and weather stripping around windows and doors. Replace cracked seals to prevent water intrusion and wind drafts.
If you live in a hail-prone area, consider installing impact-resistant shingles or storm-rated windows for added protection.
5. Know Your Insurance Details
Even with the best maintenance, Oklahoma storms can still cause damage.
Review your policy and confirm:
- Wind and hail deductibles (often 1–2% of the insured home value)
- Roof coverage type — Replacement Cost (RCV) vs. Actual Cash Value (ACV)
- Whether your policy includes code upgrade or ordinance coverage
Knowing these details helps you budget for possible out-of-pocket costs and avoid surprises when filing a claim.
6. Document Before the Storm
Take photos or videos of your roof, siding, windows, and key outdoor areas now. Store them in the cloud or email them to yourself.
Stay Tuned For Other Great Reads In This Month’s Newsletter
- Auto Coverage for Deer Collisions: What Oklahomans Need to Know
- Home Inventory: Why Documenting Your Belongings Matters Before a Claim
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