Why emergency tarping matters more than you think
Emergency tarping is not a stopgap. It's the most important first action between the storm and the insurance payout. A properly installed tarp does three things at once: it stops new water from entering the home, it protects the insurance claim by preventing “secondary damage” arguments from the carrier, and it prevents mold from establishing inside the building envelope.
Skip tarping and a roof claim becomes a roof-plus-interior claim. Carriers can argue the homeowner failed their duty to mitigate, and they regularly deny portions of claims when post-storm water damage progresses without temporary stabilization. We've seen claims drop from $35,000 (covered) to $12,000 (with a $20,000 mitigation denial) when homeowners waited 72 hours for “just the inspection” while water kept entering.
Tulsa's specific tarping reality
Tulsa storms rarely come alone. The pattern across the spring season is a severe storm followed within 24–72 hours by additional rain — sometimes another severe round, often just steady rain that finds every weakness the first storm created. This is why response speed in Tulsa matters more than in milder regions: the next storm isn't weeks away, it's often hours.
Our emergency tarping fleet runs throughout severe weather seasons. After major events (the April 25, 2020 hail; the 2015 Sand Springs tornado), we've had crews on roofs continuously for 5–7 days, working priority queues based on severity. We never bill emergency-time premium pricing; tarping is priced the same whether you call Sunday morning or Tuesday afternoon.
What a proper emergency tarp looks like
Improperly installed tarps can do more damage than the storm did — they channel water into the home along folds, lift in the next wind, or punch holes through shingles that weren't damaged. Done right, tarping is a careful, methodical process.
- Safety setup. Harnesses, anchor points, fall protection. Damaged roofs are dangerous — the deck under apparently-intact shingles may be compromised.
- Damage assessment. We identify the boundary of the damage area so the tarp covers it fully plus 2–3 feet of overlap onto undamaged areas.
- Tarp selection.20-mil reinforced poly tarp for damage areas under 200 sq ft; we run multiple tarps for larger damage with proper overlap. Cheap blue hardware-store tarps are 6-mil and tear in the first windstorm; we don't use them.
- Anchoring.1×3 furring strips wrapped at the tarp edges, screwed into the deck (not nailed through shingles). Screw spacing 8" on edges, 16" on intermediate runs.
- Perimeter sealing. Roof cement at the tarp boundary where the tarp meets the undamaged roof, plus mastic at the screw heads to prevent water entry through the holes.
- Drainage check. The tarp must shed water — no pockets, no folds that pool. We test by pouring water on a sample area before leaving.
- Documentation. Photos of the tarp install (before, during, after) go to your file and become evidence for the insurance claim.
When tarping is the right call (and when it isn't)
Tarp when:
- You can see daylight from the attic, or you have visible holes/missing sections of the roof.
- Water is actively entering the home through the ceiling.
- Multiple shingles are missing in a single area, exposing felt or deck.
- A tree branch or debris has punctured the roof.
- The roof deck has structural damage (sagging, buckling, visibly bowed).
Skip tarping (go straight to inspection/repair) when:
- Damage is hail-only with no missing shingles and no active leak.
- Damage is limited to lifted shingles that haven't torn off (sealant break — needs repair, not tarp).
- Damage is purely cosmetic (gutter dents, AC fin damage) with no roof penetration.
We'll tell you which category you're in when you call. Tarping a roof that doesn't need it costs you money and could damage shingles unnecessarily. Not tarping a roof that needs it costs you the claim.
Cost and insurance for emergency tarping
Emergency tarping costs $400–$1,500 depending on damage area, roof pitch, and complexity. Most homeowner's policies cover emergency tarping under the loss-mitigation clause — keep the receipt, photograph the tarp, and submit with the claim. Carriers want you to tarp because it reduces the eventual claim cost; they almost always reimburse the tarp as part of the loss.
We invoice the tarp work separately from the full restoration so the insurance claim can address them separately if needed. Most homeowners pay nothing out of pocket — the tarp cost is rolled into the overall claim and reimbursed by the carrier.
What happens after the tarp goes on
- Full damage inspection. Once the roof is stable, we do the full inspection — see our storm damage restoration service.
- Insurance claim filing. We help you file, prep the damage narrative, and coordinate with the adjuster.
- Adjuster meeting. We meet the adjuster on the roof. The tarp documentation supports the claim narrative.
- Approval and scheduling. Full restoration scheduling follows approval. Most projects start within 7–14 days of approval.
- Final install. The tarp comes off as part of the full replacement. Until then, it holds — 30–90 days routinely, longer if needed.
Why work with us for emergency tarping
- 24/7 storm-season response*. Crews on call during active weather.
- Proper materials and methods. 20-mil reinforced tarps, furring-strip anchoring, perimeter sealing. Not blue-tarp-and-nails.
- Insurance-claim-friendly documentation. Photo logs, tarp install records, claim-ready paperwork.
- Full restoration follow-through. The same company that tarps your roof restores it. No handoffs.
- No emergency-time price gouging. Same pricing on Sunday morning as Tuesday afternoon.
- Tulsa-local.We're here in February too — not chasing storms from out of state.
If water is actively entering your home, stop reading and call now. If you can wait a few hours, fill out the form below and we'll dispatch as soon as our active crews finish current jobs. Either way — call before the next rain.