Mackey Roofing Inc.

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Mackey Roofing Inc. Family owned and operated with a long-standing reputation of honesty, quality, professionalism, and

ROOFING MADE CLEAR | PART 6: CLAIM QUESTIONS“MY ROOF CLAIM WAS DENIED. NOW WHAT?”A denial can be frustrating, especially...
10/19/2026

ROOFING MADE CLEAR | PART 6: CLAIM QUESTIONS

“MY ROOF CLAIM WAS DENIED. NOW WHAT?”

A denial can be frustrating, especially when you’re concerned about protecting your home and figuring out how to pay for repairs. Before deciding what to do next, start with one question: WHY was the claim denied?

Ask your insurance company for a written explanation that identifies the findings and specific policy language behind its decision. Did the inspection find no storm damage? Was the condition attributed to age, wear and tear, or an excluded cause? Understanding the reason helps you determine what questions to ask and whether additional information could make a difference.

It’s also important to understand the difference between a denied claim and damage that falls below your deductible. Your insurance company may recognize covered damage but issue no payment because the estimated repair cost is less than your deductible. Those are different situations, so ask for clarification if the explanation is unclear.

👉🏽 DOCUMENTATION MATTERS.

Keep copies of inspection photos, estimates, reports, emails, letters, and notes from phone conversations. When speaking with your insurance company, write down the date, who you spoke with, and what was discussed. Having everything organized makes it easier to identify missing information and follow up.

If a qualified roofing contractor documents damage that appears to have been overlooked, ask your adjuster how to submit that information and whether a review or reinspection is appropriate. Clear photos and specific findings help explain what needs another look. A disagreement alone doesn’t establish coverage, and no contractor can guarantee that a denial will be overturned.

👉🏽 DON’T OVERLOOK DEADLINES.

Ask about any deadlines for submitting additional information, requesting a review, or taking other steps under your policy. Don’t assume that ongoing conversations automatically extend those deadlines.

A denied claim does not automatically mean your roof has no damage. Likewise, a roof that needs repairs or replacement does not automatically qualify for insurance coverage. Your roof’s condition, the cause of the damage, and your policy terms all matter.

We can help inspect your roof, document what we find, and explain our repair recommendations so you can have an informed conversation with your insurance company.

Your home deserves careful attention, and you deserve to understand the explanation.

📞 580-272-3130
Trusted & Local since 1975

ROOFING MADE CLEAR | PART 5: READING THE ESTIMATEThe bottom number doesn’t tell the whole story. When comparing roofing ...
10/16/2026

ROOFING MADE CLEAR | PART 5: READING THE ESTIMATE

The bottom number doesn’t tell the whole story. When comparing roofing estimates, it’s easy to look straight at the price—but are you comparing the same work? Two contractors can quote the same house and include very different materials, services, and details.

Before choosing a contractor, understand exactly what their estimate includes. Will the existing roofing be removed and hauled away? What shingles and underlayment will be installed? Which flashing will be replaced, and what will be reused? How will ventilation, damaged decking, property protection, and cleanup be handled? You deserve clear answers and a written explanation of the work.

If insurance is involved, the contractor’s estimate should align with the insurance estimate in the work and materials being addressed. That doesn’t mean the dollar amounts will always match exactly, but differences should be explained. If necessary work is missing or additional damage is discovered, it should be documented and submitted to the insurance company for review—not handled by cutting corners to make the numbers work.

A cheaper estimate may leave out important work or substitute lower-quality materials. Ask what accounts for the difference. Your contractor shouldn’t quietly skip items included in the agreed scope or compromise proper installation just to offer a lower price. Your home deserves the work and materials you agreed to.

We’re happy to walk you through our estimate so you understand what’s included, how it compares with your insurance scope, and what to expect before choosing your contractor.

📞 580-272-3130
Mackey Roofing | Trusted & Local since 1975

ROOFING MADE CLEAR | PART 4: YOUR FIRST PAYMENT“Insurance approved my roof. Why doesn’t the first check cover the whole ...
10/14/2026

ROOFING MADE CLEAR | PART 4: YOUR FIRST PAYMENT

“Insurance approved my roof. Why doesn’t the first check cover the whole thing?”

It’s a common question—and receiving a smaller first check doesn’t necessarily mean your insurance company is finished paying.

Here’s how it often works:

👉🏽 YOUR DEDUCTIBLE IS ALREADY SUBTRACTED

Your insurance company subtracts your deductible before issuing your payment. They do not send you that money, and they do not pay it to your contractor.

You are responsible for paying that amount toward the contractor’s bill.

The deductible is part of the total cost of the work—not an extra charge added on top. Insurance pays its portion, and you pay yours.

👉🏽 DEPRECIATION

Your existing roof has age and wear. The insurance company may deduct an amount for that loss in value, called depreciation.

Even with Replacement Cost Value (RCV) coverage, the first payment often reflects the roof’s Actual Cash Value (ACV), minus your deductible. Some money may be held back until the covered work is completed and the required documentation is submitted.

👉🏽 RECOVERABLE VS. NONRECOVERABLE DEPRECIATION

Recoverable depreciation is money you may receive later after meeting your policy’s requirements.

Nonrecoverable depreciation is an amount your policy does not pay back. If your roof has ACV coverage, replacing it generally does not make that depreciation recoverable.

Here’s a simplified example:

• Approved replacement cost: $20,000
• Depreciation withheld: $6,000
• Your deductible: $2,000
• Initial insurance payment: $12,000

If the covered replacement costs $20,000, all $6,000 of depreciation is recoverable, and you meet the policy requirements, the payment breakdown would be:

✅ $12,000 — initial insurance payment
✅ $6,000 — additional insurance payment
✅ $2,000 — your deductible paid toward the contractor’s bill

TOTAL: $20,000

The contractor’s bill is still $20,000. Insurance contributes $18,000, and you contribute $2,000. The deductible being subtracted from your insurance check does NOT mean it has already been paid to the contractor.

If the $6,000 in depreciation is nonrecoverable, your share of that same replacement could be $8,000—the deductible plus the depreciation.

👉🏽 DEADLINES AND DOCUMENTATION MATTER

Ask your insurer:

• Is my roof’s depreciation recoverable?
• What documents do I need to submit?
• What are my deadlines for completing the work and requesting payment?
• Are there other limits or conditions affecting my roof coverage?

Additional payment is not always automatic. The amount released can also depend on the actual covered cost of the work.

At Mackey Roofing, we can walk you through the roofing scope and provide documentation of our work. Your agent or adjuster can confirm your coverage and payment requirements.

Your roof. Your claim. Your questions answered.

📞 580-272-3130
Mackey Roofing Inc.
Trusted & Local since 1975

⭐⭐⭐⭐⭐Thank you, Zubair! Your trust and kind words mean so much to us. We’re grateful for the opportunity to take care of...
10/13/2026

⭐⭐⭐⭐⭐

Thank you, Zubair! Your trust and kind words mean so much to us. We’re grateful for the opportunity to take care of your home.

ROOFING MADE CLEAR | PART 3: YOUR COVERAGESAME STORM. DIFFERENT INSURANCE CHECKS.Two neighbors can have similar roofs, s...
10/12/2026

ROOFING MADE CLEAR | PART 3: YOUR COVERAGE

SAME STORM. DIFFERENT INSURANCE CHECKS.

Two neighbors can have similar roofs, similar storm damage, and the same deductible—and still receive very different insurance payments.

Why? Because their roof coverage may be different.

👉🏽 ACV (Actual Cash Value)

ACV generally pays the cost to repair or replace covered damage, minus depreciation and your deductible.

Depreciation accounts for things like your roof’s age and condition. With ACV roof coverage, that depreciation generally stays your responsibility—even after you replace the roof.

Your out-of-pocket cost can include BOTH your deductible and the depreciation.

👉🏽 RCV (Replacement Cost Value)

RCV covers the cost to repair or replace covered damage with materials of like kind and quality, subject to your deductible, policy limits, and policy terms.

The first payment often has depreciation withheld. That does NOT automatically mean you have ACV coverage. With RCV, you can generally recover eligible depreciation after completing the work and meeting your policy’s requirements and deadlines.

Here’s a simplified example:

Assume the approved cost to replace a storm-damaged roof is $20,000, depreciation is $8,000, and the deductible is $2,000.

• ACV coverage: Insurance pays $10,000. The homeowner is responsible for the remaining $10,000.

• RCV coverage: Insurance may initially pay that same $10,000, then release the eligible $8,000 in depreciation once the requirements are met. Total insurance payment would be $18,000, leaving the homeowner’s $2,000 deductible.

This example assumes the entire replacement is covered and all policy conditions are satisfied.

🚨 HERE’S SOMETHING EVERY HOMEOWNER SHOULD KNOW:

Having replacement cost coverage on your HOUSE does not automatically mean you have replacement cost coverage on your ROOF.

Your policy can provide RCV on the rest of your home while paying ACV on the roof. A roof endorsement—an amendment to your policy—can change how roof damage is paid.

Some policies also use a roof payment schedule that limits payment based on the roof’s age or material. Review your coverage at renewal, because roof coverage can change as your roof ages.

👉🏽 HOW DO YOU KNOW WHAT YOU HAVE?

Start with your declarations page, then review the policy’s loss settlement section and any roof endorsements. The declarations page alone may not tell the whole story.

Ask your insurance agent:

• “Does my ROOF have replacement cost, actual cash value, or a payment schedule?”
• “Does that coverage apply to wind and hail damage?”
• “Is depreciation recoverable after replacement?”
• “What is my wind and hail deductible?”
• “Are there roof exclusions, age restrictions, or payment limits?”
• “What deadlines and documents are required to recover depreciation?”

Ask them to point out the wording in your current policy and confirm their explanation in writing.

Knowing these answers BEFORE a storm can help you prepare for what you may owe afterward.

Have you checked how YOUR roof is covered?

MACKEY ROOFING
📞 580-272-3130
Trusted & Local since 1975

ROOFING MADE CLEAR | PART 2: INSURANCE BASICS“What does a 2% deductible actually mean?”That small percentage can mean a ...
10/09/2026

ROOFING MADE CLEAR | PART 2: INSURANCE BASICS

“What does a 2% deductible actually mean?”

That small percentage can mean a big out-of-pocket expense. Let’s explain where those numbers come from—and who is responsible for paying them.

👉🏽 FLAT DOLLAR DEDUCTIBLES

This is a specific amount listed in your policy, such as $1,000 or $2,500. That amount is your share of a covered loss.

👉🏽 PERCENTAGE DEDUCTIBLES

These are commonly calculated using your home’s dwelling coverage, often called “Coverage A”—not your roofing bill.

With $300,000 in dwelling coverage:

• 1% deductible = $3,000
• 2% deductible = $6,000
• 3% deductible = $9,000

Your policy determines the calculation. Your mortgage balance and your home’s selling price generally aren’t the numbers used.

👉🏽 ALL-PERIL VS. WIND/HAIL DEDUCTIBLES

Your policy may have a general deductible for many covered losses and a separate deductible specifically for wind or hail.

For example, you could have a $1,000 general deductible but a 2% wind/hail deductible. On a covered hail claim, that 2% could mean $6,000—not $1,000.

HOW ARE THESE AMOUNTS SET?

Deductibles come from the insurance policy you purchase—not your roofing contractor. Depending on your insurer, you may have deductible options. A higher deductible can reduce your premium, but it also means more money out of your pocket when damage occurs.

If your dwelling coverage increases at renewal, your percentage deductible can increase in dollars even when the percentage stays the same.

NOW, LET’S TALK ABOUT “EATING” THE DEDUCTIBLE.

Your deductible is YOUR responsibility. It is not the contractor’s responsibility to absorb, eat, or waive it.

Deductibles are common across many types of insurance, including medical, dental, auto, and homeowners coverage. They represent the portion of covered expenses your policy assigns to you.

Think about it this way: Would you automatically expect your doctor or dentist to reduce their bill by the amount of YOUR deductible simply because you have insurance?

A roofing contractor shouldn’t be expected to do that either.

Asking or assuming that a contractor should cover your deductible shifts your financial responsibility onto the business doing the work. That isn’t a fair or ethical expectation.

And in Oklahoma, roofing contractors are prohibited from advertising or promising to pay all or part of your deductible as a way to get your business.

A contractor promising to “eat your deductible” to win the job is making an unethical and misleading sales promise—not doing you a favor. Inflating invoices or hiding the actual price from the insurance company can create insurance fraud issues.

Insurance generally subtracts the deductible from your claim payment. You contribute that portion toward the repairs. It is part of the repair cost—not an extra fee added by the roofer.

We understand that a large deductible can be difficult. But the answer should be an honest conversation about costs and payment arrangements, with accurate paperwork throughout the process.

At Mackey Roofing, we believe doing right by homeowners means being honest—even when the conversation is about something nobody enjoys paying.

💬 Did you know what your wind/hail deductible would be in actual dollars?

💬 When is the last time you have done a policy review with your agent?

Mackey Roofing Inc.
📞 580-272-3130
Trusted & Local since 1975

ROOFING MADE CLEAR | PART 1: THE INSPECTION “Do I really need a new roof?”It’s one of the first questions homeowners ask...
10/07/2026

ROOFING MADE CLEAR | PART 1: THE INSPECTION

“Do I really need a new roof?”

It’s one of the first questions homeowners ask—and the answer starts with an INSPECTION.

A storm or leak doesn’t automatically mean you need a new roof. And on the flip side a roof that looks fine from the driveway may have problems you can’t see from the ground.

Filing an insurance claim shouldn’t automatically be your first step. Before filing, have a qualified, properly licensed and insured roofing contractor evaluate your roof and document what they find. Understanding the damage, estimated repair cost, and your deductible can help you avoid opening an unnecessary claim that may result in no payment.

Your claims history can matter when insurers evaluate future coverage, particularly when multiple claims are involved. Ask your insurance agent how that applies to your situation. An inspection before filing can help prevent unnecessary frustration, confusion, and financial stress—just be sure to meet your policy’s reporting deadlines.

At Mackey Roofing, we look beyond the shingles. We check flashing, roof penetrations, ventilation, and other details to understand your roof’s condition and where problems may be developing.

Then we walk you through what we found:

🔎 What’s in good condition?
👉🏽 What needs attention—and what do the photos show?
❓ Is a repair a reasonable option?
🤔 Is it time to consider replacement?
🔨 Does the roof need any work right now?

You deserve an explanation you can understand, with photos to back it up. We evaluate and document your roof; your insurance company determines coverage under your policy.

🚨 What’s your biggest concern about your roof right now—its age, a possible leak, or damage from a recent storm? Tell us in the comments.

Mackey Roofing Inc.
Trusted & Local since 1975
580-272-3130

🚨 INTRODUCING: ROOFING MADE CLEARYour roof. Your claim. Your questions answered.Most homeowners don’t deal with roofing ...
10/05/2026

🚨 INTRODUCING: ROOFING MADE CLEAR

Your roof. Your claim. Your questions answered.

Most homeowners don’t deal with roofing every day. But when a storm hits or a leak shows up, you’re suddenly facing decisions about your home, your money, and your insurance.

You deserve to understand the process.

Over the next several weeks, Mackey Roofing will walk you through it—from the first inspection to the finished roof. We’ll cover questions like:

👉🏽 Do I need repairs or a new roof?
👉🏽 Why can my wind and hail deductible be different from my regular all-peril deductible?
👉🏽 How are percentage deductibles calculated?
👉🏽 What insurance deadlines should I know about for reporting damage, completing repairs, and recovering depreciation?
👉🏽 Why doesn’t the first insurance check cover everything?
👉🏽 What should be included in a roofing estimate?
👉🏽 What happens before, during, and after installation?

We’ll explain the terms, discuss the deadlines to confirm with your insurer, and show the roofing details that matter. Our goal is to help you ask the right questions and feel more confident about decisions involving your home.

We’ll also break down your roof, piece by piece. From the decking and underlayment to the shingles, flashing, ventilation, and finishing details, we’ll explain what each component does, why it’s needed, and how it fits into a complete roofing system. You’ll see how those parts work together to protect your home—and why the details you don’t see matter just as much as the shingles you do.

We’ve been serving Ada and the surrounding communities since 1975. Helping our neighbors make informed decisions is part of that commitment.

👇🏽What’s one question about roofing or insurance you’ve always wanted answered? Tell us below—we want your questions to be part of this series!

Mackey Roofing Inc.
Trusted & Local since 1975
📞 580-272-3130

In today’s world, it seems like everything changes overnight. Companies come and go, names change, and a lot of business...
05/07/2026

In today’s world, it seems like everything changes overnight. Companies come and go, names change, and a lot of businesses are focused on the next quick job instead of the next generation.

At Mackey Roofing Inc., we’ve always believed in doing things differently.

Since 1975, our family has proudly served Ada and the surrounding areas with one goal in mind — build something that lasts. Not just roofs, but relationships, trust, and a reputation our family can stand behind for decades to come.

We’ve watched this area grow. We’ve roofed homes for grandparents, then their kids, and now even their grandkids. That kind of history means something to us.

Through storms, economic ups and downs, and changes in the roofing industry, one thing has never changed: our commitment to taking care of people the right way.

We believe in honest inspections.
We believe in quality workmanship.
We believe in standing behind what we install.
And we believe that being local still matters.

Our customers aren’t just another job on a spreadsheet. They’re our neighbors, friends, churches, local businesses, and families we see every day in our community.

We are grateful for every homeowner and business owner that has trusted Mackey Roofing Inc. over the years. Your support is what has allowed a small family roofing company to continue serving Southern Oklahoma for over 50 years.

And if God allows, we plan to still be here serving this area for another 50 years to come.

Thank you for continuing to trust our family with your homes, businesses, and investments. That trust is something we will never take lightly.

— Mackey Roofing Inc.
Family Owned & Operated Since 1975

Unfortunately, we’ve experienced another large hail storm in our area.We want to reiterate what we’ve said in previous p...
04/28/2026

Unfortunately, we’ve experienced another large hail storm in our area.

We want to reiterate what we’ve said in previous posts — not every hail storm results in damage that warrants an insurance claim. But at the same time, you won’t truly know the condition of your roof without a proper inspection.

This is exactly when out-of-town “storm chasers” start showing up and pushing for quick decisions. Take your time. Do your research. Make sure you’re working with someone local that you know and trust.

At Mackey Roofing, we’re here to give you honest answers — not sell you something you don’t need. If there’s damage, we’ll document it and guide you through the next steps. If there’s not, we’ll tell you that too.

Before you call your insurance, call us.

We’ll come take a look and help you make the right call.

📞 Call or Text Anytime
Tyler: 580-272-3130
Ronnie: 580-513-3775

Address

12938 CR 1538
Ada, OK
74820

Opening Hours

Monday 7am - 6pm
Tuesday 7am - 6pm
Wednesday 7am - 6pm
Thursday 7am - 6pm
Friday 7am - 6pm

Telephone

+15802723130

Website

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