FREE Thermal Drone Scan & Roof Replacement Consultation - Replace Your roof right away
Most roof replacements go wrong before they even begin. At K&M Roofing, we start with a no-obligation drone inspection that reveals hidden damage and maximizes your insurance claim—so you get a roof built to last, without paying more than you should.
Voted Best in Texoma for 7 Years in a row







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Most contractors cut corners with insurance companies, costing you more in payouts.
Low Insurance Payouts & Hidden Fees
Some roofers get you the bare minimum from your insurance company—or leave line items off entirely. Others quote low to win the job, then hit you with surprise charges once work starts.
We secure up to 19% more from your insurance on average.
Full insurance documentation, supplements, and photo evidence handled by our team.
Delays That Risk Further Damage
Unorganized crews and poor planning often lead to delays that cost you time, energy, and sometimes even insurance eligibility.
Same-day inspections and fast approvals.
Most replacements completed in just one day.
Unlicensed Work = Legal & Financial Risk
Working with unlicensed or uninsured contractors can leave you exposed—especially if something goes wrong during installation.
OSHA-compliant, code-aligned, and manufacturer-certified
Certified Owens Corning Platinum Preferred Contractor (Top 1% Nationwide)
4.9 Star rating on Google and Facebook with 250+ reviews
Know What You’re Paying For — And Make Insurance Pay More
If your roof was damaged by hail, wind, or storms, your insurance should cover nearly everything. But without expert help, many homeowners get underpaid—or denied altogether. At K&M, we handle the process, fight for what you’re owed, and ensure your only out-of-pocket cost is your deductible.
On average, we increase claim payouts by 19%—that’s $3,000 more on a typical $9,000 roof replacement. That’s money your insurance should pay—not you.
Over 50% of homeowners who go it alone get denied. With K&M, our clients get approved 100% of the time. We know how to present, document, and supplement your claim to get it paid in full.
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How K&M Stacks up against the competition
(That's us!)
Trusted and Certified by top industries nation wide










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How Much Does Roof Replacement Cost with K&M? - Short answer: usually just your deductible
If your roof was damaged by a storm, your insurance should cover most—if not all—of the replacement. We specialize in working directly with your insurance company to ensure they pay what they should, while you avoid unnecessary out-of-pocket costs.
Maximize Insurance, Minimize Expenses – Most property owners don’t realize they’re missing out on thousands in potential coverage. We advocate on your behalf to secure full funding for your new roof—including code upgrades, ventilation, and hidden damage—saving you up to 19% more on average.
Avoid Expensive Damage Later – Waiting too long on an aging or storm-damaged roof can lead to interior leaks, mold, and structural issues. Replacing your roof proactively prevents future costs and protects your home for the long haul.
Affordable Options If You’re Not Covered – Not every roof replacement is insurance-based—and that’s okay. We offer transparent pricing, flexible financing options, and solutions tailored to your budget so you never have to compromise on safety or quality.
How Fast Can We Get the Job Done?
At K&M Roofing, speed doesn’t mean shortcuts—it means precision, preparation, and a highly trained team that gets it done right the first time. Most full residential roof replacements are completed in just one day, so you can get back to life without delays, disruption, or risk.
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K&M's Process for Replacing Your Roof, and Maximizing Your Insurance coverage
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1. Detect Hidden Interior Damage Before It Spreads
A visible stain is rarely the full story. Water often travels through ceilings, beams, and insulation before it ever shows on your drywall. We trace these signs back to their source to ensure your entire roofing system is inspected—not just the surface.
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2. Full-System Roof Inspection & Documentation
We assess every aspect of your roofing structure—valleys, flashings, ventilation, underlayment, and all penetrations. This allows us to create a complete profile of what needs to be replaced and why—backed by photos, measurements, and expert recommendations.
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3. Thermal Drone & Infrared Moisture Mapping
Standard inspections miss what’s under the surface. That’s why we use thermal drone technology to scan for moisture intrusion, hidden leaks, and structural weaknesses—ensuring you don’t leave any claimable damage on the table.
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4. Insurance-Grade Damage Mapping
We provide high-resolution imagery and precise measurements to support your insurance claim, challenge underpayments, and get approval for the full replacement scope—down to the last ridge cap and flashing.
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5. One-Day Roof Replacement by Certified Crews
Once approved, our Owens Corning Platinum Preferred team installs your new roof in as little as one day. Every roof is built to manufacturer and code standards using premium materials—and backed by lifetime workmanship warranties.
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6. Prevent Future Problems With a System That Lasts
We don’t just replace what’s broken—we upgrade your entire roofing system for long-term performance. This includes optional code upgrades, ventilation improvements, and materials that are built to handle the next storm.
Trusted roof replacement experts
Customers Served
We’ve helped thousands of customers safeguard their properties with expert roof replacement solutions, ensuring long-term protection and performance.
Insurance Claim success rate
We consistently secure maximum insurance payouts, ensuring property owners receive full coverage for roof replacements—minimizing out-of-pocket costs.
work and materials Warranties
Our industry-leading warranties on materials and workmanship give property owners confidence that their investment is protected for years to come.
Roof Replacement FAQs – Everything You Need to Know
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.
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.
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 property.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Postponing roof 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.
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.
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.
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.
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.
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.
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.
The timeline depends on the size of the property, the complexity of the roof system, and weather conditions. Most roofing replacements 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.
A successful roof replacement 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.
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.
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.
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.
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.
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.
Once your roof is successfully replaced, 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 Free Roof Inspection to start your roof replacement and insurance assistance
Don’t risk missing hidden damage or leaving money on the table. Our experts provide a free, no-obligation roof inspection, ensuring your insurance covers everything it should. Book today—before deadlines expire!
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.