Oklahoma Property Damage
Did You Know?
When storms hit Oklahoma, the damage can be overwhelming—but what happens next with your insurance claim can be just as stressful. Many homeowners don’t realize how often valid claims get delayed, underpaid, or denied. Here are a few things every Oklahoman should know before signing off on a property claim.
Storm Damage Claims
Q: Did you know Oklahoma is one of the top states for storm damage claims?
A: Hail, wind, and tornadoes cause millions in losses every year—but insurers often try to underpay or deny valid claims.
Hail Roof Damage
Q: Did you know hail damage to your roof isn’t always visible right away?
A: Small cracks or granule loss can take months to show up, but insurers may still owe you for the full repair or replacement.
Time Limits
Q: Did you know Oklahoma law gives you only a limited time to file a property damage claim?
A: Most policies require prompt notice—and if you wait too long, your claim could be denied.
Matching Materials
Q: Did you know your insurer may have to pay for a full roof or siding replacement—not just a patch?
A: Oklahoma policyholders can sometimes require insurance to match undamaged areas so your home looks uniform.
Depreciation
Q: Did you know insurers often hold back part of your payment until repairs are complete?
A: This is called “recoverable depreciation.” If you don’t file properly, you may never see the rest of that money.
Tornado Losses
Q: Did you know Oklahoma has more tornadoes per square mile than almost anywhere else?
A: When disaster strikes, insurance companies get flooded with claims—and many homeowners get underpaid in the process.
Contractor Scams
Q: Did you know storm chasers often target Oklahoma homeowners after major storms?
A: Always check licenses and contracts—some out-of-state contractors take insurance money and disappear.
Denial Doesn’t Mean Done
Q: Did you know a denied claim isn’t always the end?
A: In Oklahoma, many “denied” or “lowballed” claims can be reopened, re-evaluated, or appealed with the right help.