Oklahoma Roofing Rules: What Homeowners Should Know
Oklahoma has its own set of rules for roofers, and a few of them protect you directly when you replace a roof after hail or wind. This page sums up the ones that matter most to homeowners in Broken Arrow, OK and nearby towns. Every point links back to the statute or official page it comes from, listed at the bottom. It's general information, not legal advice.
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- Roofers must register every year. The Construction Industries Board (CIB) registers roofing contractors annually under 59 O.S. §1151.3.
- The number must be visible. A roofer's registration number belongs on ads, bids, contracts and work vehicles (§1151.7).
- No deductible deals. Since November 1, 2022, a roofer can't advertise or promise to pay any part of your insurance deductible (HB 1940, 2022).
- You can cancel after a denial. On an insurance-paid contract, you get 72 hours to cancel once the insurer denies the claim in writing (§1151.21).
- A new step arrives in 2027. Residential roofers need a separate residential endorsement starting January 1, 2027 (§1151.25a).
Registered Roofers Only
Oklahoma doesn't license roofers the way some states do. It registers them. The Roofing Contractor Registration Act, 59 O.S. §1151.1 and the sections after it, is run by the Construction Industries Board. Under §1151.3, every roofing contractor must register with the Board each year. The fee is $75 to register and $75 to renew (§1151.8). Doing roofing work without a registration is a misdemeanor, with a fine of up to $500 for each violation.
Registration comes with other duties. A roofer doing residential work must carry at least $500,000 in liability insurance (§1151.5). Contracts must state that every worker is covered by workers' compensation (§1151.22). Roofers who break the Act on residential jobs face Board fines of up to $500 for a first violation, $1,000 for a second and $3,500 for a third, with revocation after that (§1151.2a).
Where the number shows up. Section 1151.7 says the registration number must appear on all media that carry the roofer's name. That includes advertisements, bids, contracts, business cards, letterhead, signs and magnetic signs. Vehicles that carry tools and materials must show it on both sides in letters at least 2 inches tall, and it must be posted at the job site. A roofer also gives the number to the official who issues a building permit (§1151.17).
How to check a roofer. Ask for the registration number in writing, then look it up with the Oklahoma Construction Industries Board before you sign anything. The board's free Roofing Registration Search is at verifyroofing.cib.ok.gov. If the number is missing from the bid, or doesn't match the company name, treat that as a reason to pause.
Out-of-state roofers. The Act has no special storm-season or temporary pass. A roofer from another state registers like everyone else and must name the Oklahoma Secretary of State as its agent for legal papers (§1151.16).
What changes in 2027. From January 1, 2027, roofers who work on homes need a residential endorsement on top of their registration. They earn it by exam or continuing education (§1151.25a, as amended in 2026). Commercial roofers have needed an exam-based endorsement since July 1, 2015 (§1151.25).
Homeowners who roof their own house are exempt from registration (§1151.9).
Deductibles and the Law
Your deductible is the part of a covered loss you pay before insurance pays the rest. In Oklahoma, a roofer can't offer to cover it for you.
House Bill 1940 was signed on May 26, 2022 and took effect November 1, 2022. It says a residential or commercial roofing contractor working on a job paid from insurance proceeds may not, as an inducement, advertise or promise to pay all or part of the deductible, directly or indirectly. Under the law, an insurer doesn't have to consider an estimate from a roofer who breaks it. Roofers, adjusters and insurers must also give customers written notice of the rule.
We cite this rule as HB 1940 (2022). The statute section where it was placed hasn't been confirmed, so we don't list one.
- "We'll cover your deductible." The law bars promising to pay all or part of it, directly or indirectly.
- An offer to handle your claim. Your roofer can document damage. Only you, your insurer or a licensed public adjuster handle the claim.
- A bid with no registration number. The number is required on bids and contracts (§1151.7).
When You Can Cancel
Storm roofs are often signed before the insurer decides on the claim. Oklahoma gives you a way out if the claim goes badly. Under 59 O.S. §1151.21, a homeowner with a residential roofing contract paid from insurance proceeds may cancel within 72 hours after receiving the insurer's written notice that all or part of the claim was denied.
If you cancel, the roofer must return any payments within 10 business days. Contracts must meet the §1151.21 standards (§1151.7). Keep the denial letter and note the date and time you received it, and send your cancellation in writing so there's a record.
Money Toward a Tougher Roof
Oklahoma's Strengthen Oklahoma Homes program has offered up to $10,000 toward a FORTIFIED roof; check the Oklahoma Insurance Department for the next round. A FORTIFIED roof is built to a standard set by the Insurance Institute for Business & Home Safety, with impact-resistant shingles, better deck attachment and wind-resistant attic vents.
The OID program page, updated July 31, 2026, shows the second and third statewide rounds as closed. It says the program opens periodically and that dates for each cycle are announced in advance. The grant is paid to the contractor, not the homeowner.
- Who it's for. An owner-occupied, single-family primary residence in Oklahoma, in good repair, with wind coverage.
- Flood zones. Homes in a FEMA Special Flood Hazard Area also need flood insurance.
- The evaluation. The roof needs a FORTIFIED evaluation by an approved evaluator.
- Premium savings. OID says a FORTIFIED home may qualify for up to 42% off the wind portion of its homeowners premium. Discounts vary by carrier, so ask yours.
Your City's Requirements
State law covers the roofer. Your city covers the permit, and rules differ from town to town.
Broken Arrow. Ask your roofer whether a City of Broken Arrow permit is needed for your job, and confirm with Permitting & Licensing (918-259-2411, option 2).
Owasso. The City of Owasso's Building Division says a permit is required for re-roofing. Its front desk is 918-376-1540.
Glenpool. The City of Glenpool's roofing requirements say a permit is needed unless the repair is 3 squares or less, and that roofing permits are issued only to a registered contractor. Tear-off and new underlayment are required, and the city must be told if damaged decking or rafters turn up. The permit office is 918-209-4610.
For other towns, see the permit section on each service area page.
Common Legal Questions
Does Oklahoma license roofers?
Oklahoma registers roofers rather than licensing them. The Construction Industries Board registers roofing contractors every year under 59 O.S. §1151.3, and the registration number has to appear on the roofer's ads, bids, contracts and work vehicles. Starting January 1, 2027, residential roofers also need a residential endorsement.
Can a roofer pay my deductible if I sign today?
No. Since November 1, 2022, Oklahoma's HB 1940 bars roofers from advertising or promising to pay all or part of an insurance deductible to get the job. An insurer doesn't have to consider an estimate from a roofer who breaks the rule. Treat any offer like this as a reason to walk away.
What if my insurer denies the claim after I sign?
If your residential roofing contract is paid from insurance, you can cancel within 72 hours after the insurer's written denial of all or part of the claim. The roofer must refund what you paid within 10 business days. This comes from 59 O.S. §1151.21. Send your cancellation in writing.
Can a roofer from out of state work on my house?
Yes, if they're registered. The Act has no special storm-season pass, so an out-of-state roofer registers with the Construction Industries Board like a local one. They must also name the Oklahoma Secretary of State as their agent for legal papers. Ask for the number and check it before you sign.
References
All sources read 2026-10-01.
- 59 O.S. §1151.1 et seq., Roofing Contractor Registration Act, as compiled by the Construction Industries Board (§§1151.2, 1151.2a, 1151.3, 1151.5, 1151.7, 1151.8, 1151.9, 1151.16, 1151.17, 1151.21, 1151.22, 1151.25, 1151.25a): https://oklahoma.gov/content/dam/ok/en/cib/documents/your-industry/roofing-industry/title_59_roofing_contractor_registration_act.pdf (read 2026-10-01)
- Construction Industries Board, Roofing Registration Search: https://verifyroofing.cib.ok.gov (official cib.ok.gov address; read 2026-10-01)
- HB 1940 (2022), bill summary and dates: https://www.billtrack50.com/billdetail/1278646 (read 2026-10-01)
- HB 1940 (2022), coverage of the deductible rule: https://roofingcontractor.com/articles/97659-new-oklahoma-law-restricts-roofing-contractors-from-waiving-deductibles (read 2026-10-01)
- Oklahoma Insurance Department, Strengthen Oklahoma Homes program page (updated 2026-07-31): https://www.oid.ok.gov/okready/ (read 2026-10-01)
- Oklahoma Insurance Department, Strengthen Oklahoma Homes handout (FORTIFIED standard, wind discount): https://oid.ok.gov/wp-content/uploads/2024/08/240722_SOH-Handout-website.pdf (read 2026-10-01)
- City of Broken Arrow, Permitting & Licensing: https://www.brokenarrowok.gov/government/community-development/permitting-and-licensing (read 2026-10-01)
- City of Broken Arrow, Inspections (phone): https://www.brokenarrowok.gov/business/inspection-code-compliance (read 2026-10-01)
- City of Owasso, Building Inspections & Permits: https://www.cityofowasso.com/332/Building-Inspections-Permits (read 2026-10-01)
- City of Glenpool, Roofing Requirements: https://www.glenpoolonline.com/DocumentCenter/View/1296/Roofing-Requirements (read 2026-10-01)
- City of Glenpool, Building Permits and Inspections: https://www.glenpoolonline.com/334/Building-Permits-and-Inspections (read 2026-10-01)
Unsure Where You Stand?
Rules are easier to follow with a roofer who already works by them. Tell us about your roof and we'll connect you with a registered local roofer for a free inspection and a written, itemized estimate. Then compare it against our cost guide.