FREE Thermal Drone Roof Scan & Insurance Maximization Report for your home's roof — Uncover Hidden Damage and Get Up to 19% More from Your Insurance Before It’s Too Late.

Most homeowners don’t realize their roof is damaged until it’s leaking—or too late to file a claim. At K&M Roofing, we offer a 100% FREE Thermal Drone Roof Scan & Insurance Maximization Report to catch hidden storm damage early, secure up to 19% more from your insurance, and eliminate the stress of filing. No pressure. No obligations. Just expert help when it matters most.

Voted Best in Texoma for 7 Years in a row

The #1 Reason Homeowners Miss Out on Insurance Payouts — And End Up Paying Over $10,000 Out of Pocket

Most homeowners don’t realize their roof is damaged until it’s too late—either when it starts leaking or when their insurance window has already closed. Undetected storm damage is the #1 reason insurance claims are denied or underpaid, often forcing homeowners to spend $10,000 or more out of pocket. At K&M Roofing, we help you catch hidden issues early and fight to get every dollar your policy owes you—before it’s too late.

76%

Of homeowners only realize roof damage exists after interior leaks appear—by then, repairs are more expensive and insurance claims may be denied.

$11,536

That’s how much on average a full roof replacement can cost out of pocket without insurance support. Acting early can save thousands.

Hidden Damage Is Just the Start—Here’s How the Wrong Roofing company Makes It Worse

Low Insurance Payouts & Unexpected Costs

Most insurance companies aim to pay the bare minimum—and many contractors won't fight for more. Worse, some tack on hidden fees after the work begins, leaving you with a bill you didn’t expect.

The K&M Difference:

We secure up to 19% more in insurance payouts on average.

No surprise costs—what we quote is exactly what you pay.

Delays That Disrupt Your Life

Slow timelines, poor communication, and inexperience can drag out the project, disrupt your daily life, and cost you even more if damage worsens.

The K&M Difference:

Fast, same-day inspections detect damage before it spreads.

Projects are completed on time, with minimal disruption to your home and family.

Unlicensed Contractors = Legal & Financial Risk

Hiring an unlicensed or uninsured roofer opens the door to code violations, faulty workmanship, or worse—legal liability if someone is injured on your property.

The K&M Difference:

Fully licensed, bonded, and insured in both Texas and Oklahoma.

Every job is OSHA-compliant and up to local and national code standards.

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4.9 Star rating on Google and Facebook with 250+ reviews

How K&M Stacks up against the competition

K&M Roofing
(That's us!)
Other Roofing Companies
Up to 19% More in Insurance Payouts
No Hidden Fees or Surprise Charges
Custom Roof Protection Plans
100% FREE Thermal Drone & Infrared Scan for leak detection
Advanced Moisture Mapping & Structural Integrity Reports
24/7 Emergency Leak Response & Repairs
Minimal Disruption with Fast Project Turnaround
Proven Expertise on Complex Roof Systems
Certified for TPO, PVC, EPDM & Metal Systems
Licensed, Insured, and Compliant with All Residential Building Codes
Priority Service & Annual Maintenance for Long-Term Cost Savings
Best in Texoma for 7 Years in a Row

Trusted and Certified by top industries nation wide

‍Avoid Paying Thousands Out of Pocket — Here’s What Your Roof Should Cost with K&M’s Insurance Expertise

The true cost of your roof replacement or repair depends on several factors—including roof size, materials, and most importantly, your insurance coverage. The good news? In many cases, your only out-of-pocket expense is your deductible, and we’ll handle the rest.

Most Homeowners Pay Just Their Deductible – If your roof was damaged by wind, hail, or other storm-related events, your homeowner’s insurance may cover most—if not all—of the cost. For many of our customers, this means only paying their deductible, which typically ranges from $1,000 to $2,500 depending on your policy.

Maximize Your Insurance and Save Thousands – Addressing issues early prevents expensive structural damage and extends the lifespan of your roof—saving you from costly replacements down the road.

What If Insurance Doesn’t Cover Everything? – We offer affordable financing options and custom solutions based on your budget—so you’re never forced to choose between protecting your home and your bank account.

Our 6-Step Roofing System That Finds Hidden Damage, Fights for Your Insurance Payout, and Stops Roof Failure Before It Starts

1. IDENTIFY INTERIOR LEAK SPOTS

A leak in your home is often just the beginning of a bigger issue. Water can travel through beams, walls, and insulation before it becomes visible, meaning the stain you notice may not indicate the true source of the problem. Our specialists carefully inspect ceilings, walls, and structural elements to trace leaks back to their origin, ensuring that no hidden damage remains undetected.

2. COMPREHENSIVE ROOF ACCESS & INSPECTION

A thorough inspection is essential for effective roof repair or replacement. We assess every aspect of your home's roof, including valleys, gutters, vents, and transitions between different surfaces. Each important area is documented with high-resolution photos, allowing us to accurately diagnose issues and suggest tailored solutions.

3. STATE-OF-THE-ART DRONE INSPECTION

What you can’t see could end up costing you dearly. That’s why we utilize advanced drone technology featuring thermal imaging and high-resolution cameras to detect moisture beneath your roof’s surface. This innovative method uncovers hidden damage that standard inspections might miss, providing you with a complete understanding of your roof’s condition before problems escalate.

4. PRECISION PROBLEM LOCATION & DOCUMENTATION

No guesswork—just precise accuracy. With drone-generated imagery, we carefully map problem areas and measure damage down to the inch. This detailed documentation allows us to support your insurance claims, provide accurate repair estimates, and prevent minor issues from developing into major costs.

5. ROOF REPAIRS AND REPLACEMENTS

Many roofing contractors leave homeowners to handle insurance claims on their own, often leading to underpaid or denied claims. We advocate for you, ensuring that all necessary repairs—whether minor fixes or complete roof replacements—are conducted according to local building codes. Our proven strategy secures an average of 19% more in insurance payouts for our clients.

6. EXTEND YOUR ROOF'S LIFESPAN

Taking a proactive approach now can help you avoid costly replacements down the line. By addressing leaks and structural weaknesses early, we help extend the lifespan of your residential roof, maximizing your investment and minimizing disruptions to your home life.

Award-Winning Roofers Who Treat Your Home Like Their Own — And Fight to Maximize Every Dollar You’re Owed

Households Served

5,000+

We’ve helped thousands of homeowners safeguard their properties with expert residential roofing solutions, ensuring long-term protection and performance.

Insurance Claim success rate

100%

We consistently secure maximum insurance payouts, ensuring homeowners receive full coverage for roof repairs and replacements—minimizing out-of-pocket costs.

work and materials Warranties

10+ Years

Our industry-leading warranties on materials and workmanship give homeowners confidence that their investment is protected for years to come.

Avoid Costly Mistakes: What Homeowners Must Know Before Hiring a Roofer or Filing a Claim

Isn’t a roof replacement too expensive? I can’t afford it right now.

We understand that a full roof replacement is a significant investment for any property owner. However, delaying necessary repairs can lead to severe structural damage, costly disruptions, and even code violations. At K&M Roofing, we work directly with your insurance provider to secure the highest possible payout—on average, 19% more—so you don’t leave money on the table. Additionally, we offer flexible financing options tailored for your property, ensuring you get the protection you need without straining your budget.

Can I just patch up the damage instead of replacing the whole roof?

In some cases, a repair may be a short-term solution, but hidden issues like trapped moisture, weakened insulation, and undetected leaks can worsen over time—leading to costly interior damage and disruptions. That’s why we conduct free thermal drone inspections and moisture mapping to assess whether a repair is viable or if a full replacement is necessary. If a replacement is needed, we’ll help you navigate the insurance process to ensure maximum coverage with minimal out-of-pocket costs.

Do you offer financing or payment plans for roofing projects?

Yes, we provide tailored financing solutions for all types of properties. Whether insurance covers part of your project or you need additional financial flexibility, we offer low monthly payment plans and deferred payment options to help you budget effectively. A durable, leak-free roof is essential for protecting your assets and maintaining peace of mind, and we make it as easy as possible to afford the best solution for your home.

What if my insurance doesn’t cover the full cost?

Insurance companies often undervalue claims or deny coverage for essential repairs. That’s why we take care of claim negotiations, adjuster meetings, and supplemental filings to ensure you receive the full amount you’re entitled to. If a gap remains, we offer strategic financing solutions to bridge the difference. Unlike many contractors who leave property owners to deal with insurance alone, K&M Roofing handles everything—so you don't have to battle insurers.

How do I know I’m getting a fair price and not being overcharged?

We operate with full transparency and use industry-standard pricing software (Xactimate) that aligns with what insurers recognize as fair costs. Our detailed inspections, expert assessments, and itemized estimates ensure you receive the best value for your investment. With over 60 years of combined experience, a track record of securing top-dollar insurance settlements, and a commitment to high-quality materials, you can trust that we are focused on delivering cost-effective, long-term solutions for your property—not upselling unnecessary work.

How do I know I can trust K&M?

At K&M Roofing, we understand that trust is everything when choosing a contractor. With over 60 years of combined experience and a reputation built on integrity, transparency, and superior craftsmanship, we’ve earned the trust of property owners throughout the region. We are fully licensed, insured, and an Owens Corning Platinum Preferred Contractor, ensuring your project is in expert hands. Unlike out-of-town storm chasers, we’re a local company committed to long-term service, and our satisfied clients can vouch for our reliability and quality work.

I’ve heard horror stories about roofing scams. How do I avoid getting ripped off?

The roofing industry, unfortunately, has its share of unreliable contractors. That’s why we prioritize transparency and accountability in every project. K&M Roofing provides detailed, written estimates, a clear scope of work, and absolutely no hidden fees. Unlike pop-up companies that follow storms, we have a long-standing reputation, hundreds of successful projects, and verifiable credentials. We encourage property owners to verify our licensing, read customer reviews, and compare us to other reputable contractors before making a decision.

Will my property be protected during the installation?

Yes. We know that roofing projects can disrupt usual activity, so we take every precaution to minimize downtime and protect your property. Our team secures job sites, safeguards HVAC units, and prevents debris from affecting your property. We use heavy-duty tarps, magnetic nail sweepers, and a strict cleanup process to ensure your property is left clean and hazard-free. Additionally, we coordinate with you to create a plan that allows for minimal disruption to your daily rhythms.

What if there are hidden costs that I wasn’t expecting?

With K&M Roofing, there are no surprise costs or hidden fees. Our team provides detailed, itemized estimates upfront, so you know exactly what’s covered before work begins. If we uncover unforeseen issues—such as moisture damage or structural concerns—we bring them to your attention immediately and discuss the best solutions before proceeding. Our commitment is full transparency so you can make informed decisions without pressure or unexpected financial burdens.

My roof isn’t leaking right now—can’t I just wait?

Even if your roof isn’t actively leaking, hidden damage could be getting worse. Small cracks, seam separations, ponding water, and hail damage may not show immediate signs of failure, but over time, they weaken your roof’s structure. Left unaddressed, this can lead to interior leaks, insulation damage, mold growth, and costly repairs. Acting now helps prevent expensive damage to the quality of your property.

How do I know if my roof really needs replacement?

A professional inspection is the only way to know for sure. Signs that your roof may need replacement include: pooling water, deteriorating seams, membrane punctures, granule loss, or leaks. Even if everything looks intact, our team uses thermal drone scans and advanced moisture detection to identify hidden issues beneath the roof surface that could lead to major failures in the future.

What happens if I delay roof repairs or replacement?

Delaying necessary repairs can increase costs, reduce your roof’s lifespan, and risk insurance claim denial. Small problems often escalate into major structural damage, causing higher energy costs, interior water damage, and safety risks for any one on your property. Insurance companies may also refuse to cover repairs if they determine the damage was worsened by neglect.

Can I wait until next year to fix my roof?

Postponing roof repairs or replacement could cost you more in the long run. Insurance companies often impose strict claim filing deadlines (typically 6 to 12 months after a storm), and failing to act in time could mean paying out of pocket. Additionally, roofing material costs tend to increase year over year, making future replacements significantly more expensive.

Will my insurance still cover the damage if I wait too long?

Insurance companies expect timely action from property owners. If you delay filing a claim, they may argue that neglect, not storm damage, caused the issue—leading to partial or even full claim denial. By scheduling a free inspection now, you can document damage before it worsens and lock in your eligibility for coverage.

Is it really worth it to file an insurance claim?

Yes—if your roof has storm damage, your insurance policy is designed to protect your investment. A full roof replacement can cost tens or even hundreds of thousands of dollars, but if you have covered damage, your only out-of-pocket expense is your deductible. Many property owners unknowingly leave thousands of dollars in coverage on the table by not filing a claim. Our team ensures you get every dollar you’re entitled to while minimizing disruptions to your quality of life.

How long does the insurance claim process take?

The timeline varies, but most claims are resolved within 2 to 8 weeks. The process typically follows these steps:

  • 1-3 days: You file a claim with your insurance provider.
  • 1-2 weeks: The insurance adjuster inspects the roof.
  • 1-3 weeks: The claim is processed, and the first payment is issued.
  • 1-4 weeks after completion: Your final insurance payment is released.

Having an experienced roofing contractor like K&M Roofing speeds up the process and ensures nothing is missed, so you receive the full payout you deserve.

Will my insurance rates go up if I file a claim?

Storm damage claims typically do not increase your individual rates because they are considered “Acts of God” and not the fault of the property owner. However, if an area experiences widespread damage, insurance companies may adjust premiums for the entire region over time. Delaying repairs or ignoring damage could cost you far more in the long run.

What if my insurance adjuster says the damage isn’t bad enough to cover?

Insurance adjusters work for the insurance company—not for you. If your adjuster underestimates or denies the claim, you have options. We fight for property owners by providing: A detailed damage report using thermal drone scans and high-resolution imaging.On-site representation during inspections to ensure all damage is properly documented. Assistance with claim appeals and re-inspections to challenge underpaid or denied claims. If needed, we can also connect you with a public adjuster to negotiate on your behalf and ensure you receive full coverage.

Do I have to use the roofing contractor my insurance company recommends?

No—you have the legal right to choose your own roofing contractor. Some insurance companies push preferred vendors who may prioritize cost-cutting over quality. By choosing K&M Roofing, you get a trusted roofing expert who works for you, not the insurance company. We ensure your claim covers everything necessary for a durable, long-lasting roofing system—without hidden shortcuts.

How long does installation take?

The timeline depends on the size of the property, the complexity of the roof system, and weather conditions. Most roofing repairs can take anywhere from a few days to several weeks. Factors such as material selection, existing damage, and the need for additional structural repairs can also affect the schedule. Before starting, we provide a clear project timeline so you know what to expect.

What is the installation process like?

A successful roof replacement or repair requires a step-by-step approach to ensure long-term durability and minimal disruption. Our process includes:

  • Identifying interior leak spots to determine the source of water infiltration.
  • Comprehensive roof access & inspection to assess existing conditions.
  • State-of-the-art drone inspection with thermal imaging to detect hidden moisture.
  • Precision problem location & documentation for accurate repair recommendations.
  • Addressing problematic areas with targeted repairs to extend the life expectancy of your entire roofing system.
Will my property be protected during the process?

Yes. We take extra precautions to ensure your property, including parking areas and landscaping, are protected throughout the project. Our team uses protective barriers, debris management systems, and thorough cleanup procedures to minimize disruption to the quality of your property.

What happens if unexpected issues are found during installation?

If we uncover hidden structural damage, trapped moisture, or deteriorating insulation, we will immediately communicate our findings. We provide detailed documentation and solutions before proceeding so you can make informed decisions. Our goal is to prevent long-term damage and ensure your roof remains a reliable investment.

Do I need to be present during the installation?

In most cases, it’s not necessary to be present during the installation. We work to minimize disruptions and can schedule work at convenient times for you. Our team will ensure all safety protocols are followed to protect your property while you continue with your daily activities. However, we recommend being available for any important communications or decisions that may arise during the process.

Will the installation be noisy or disruptive?

Yes, roof work can be loud, but we take measures to limit disturbances. We coordinate with property owners to establish quiet periods if necessary and use best practices to complete the work as efficiently as possible.

What should I do to prepare for roof installation day?

To ensure a smooth process, we recommend:

  • Informing everyone who frequents the property about the project timeline.
  • Securing valuable items or belongings that could be affected by vibrations.
  • Designating an area for materials and crew access.
  • Reviewing safety protocols with everyone at the property to ensure everyone feels comfortable and safe during the project.
What happens after the installation is complete?

Once your residential roof is installed or repaired, we:

  • Conduct a final walkthrough and quality assurance inspection.
  • Provide detailed documentation and warranty information for your records.
  • Perform a thorough cleanup, including a magnetic nail sweep to ensure no debris is left behind.

Still have questions?

Contact us on our contact form or give us a call at (903) 870-6748 for any questions

Get a Roof That’s Built to Last and Paid for by Insurance

Don’t risk missing hidden damage or leaving money on the table. Our experts provide a free, no-obligation residential roof inspection with thermal drone imaging, ensuring your insurance covers everything it should. Schedule your inspection today—before deadlines approach!

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The K&M Insider

Stay informed with the latest in roofing, insurance restoration, and exterior home improvements. From protecting your home after a storm to enhancing your outdoor space, our expert guides and industry insights help you make the best decisions for your property.

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