The Oklahoma Insurance Department has issued guidance to residents affected by severe storms that swept across the state on March 5–6, urging policyholders to carefully document damage, communicate promptly with insurers and remain vigilant against potential contractor fraud during the recovery process.
State insurance officials said the agency is prepared to support households navigating insurance claims and property repairs following the extreme weather event, which caused damage to homes and infrastructure across several communities.
“OID is here to help,” said Insurance Commissioner Glen Mulready. “If you have questions about your policy or need assistance with your claim, please contact our Consumer Assistance Division.”
The department said affected residents can reach its Consumer Assistance Division by phone or through its official website for help understanding policy terms, navigating claim procedures and resolving disputes with insurers. Authorities also encouraged residents to report storm-related damage through the state’s online reporting portal to help officials assess the scale of the impact and coordinate recovery efforts.
Importance of Documenting Property Damage
Insurance officials stressed that documenting damage as soon as it is safe to do so is a critical first step in the claims process. Residents are advised to take extensive photographs or videos of any affected property and avoid disposing of damaged items until their insurer has reviewed the claim.
Keeping a clear visual record of damage can help streamline claim assessments and prevent disputes over repair costs. Officials also warned that prematurely discarding items could complicate the evaluation process.
Homeowners are encouraged to take reasonable steps to prevent further damage to their property while awaiting inspection by their insurer. This may include covering broken windows, securing damaged roofs and sealing openings in walls to protect the property from weather exposure or theft.
However, regulators cautioned that permanent repairs should not begin until the insurance company has inspected the property and both parties have agreed on repair costs. Moving undamaged belongings to a secure location is also recommended to reduce the risk of additional loss.
Roof Inspections and Repair Estimates
Another key step highlighted by the department is obtaining a roof inspection from a reputable contractor. Roof damage is often among the most significant costs following severe storms and may determine whether a homeowner files an insurance claim.
Officials said that if repair costs are below or only slightly above a policyholder’s deductible, homeowners may decide to pay for repairs themselves. If damage exceeds the deductible, the department advises filing a claim with the insurance provider.
Once an estimate has been obtained, homeowners should contact their insurer or insurance agent to confirm what documents or forms are required to proceed with the claim.
Policyholders with replacement cost coverage should also note that many policies require repairs to be completed within six months of the date of loss in order to receive withheld replacement cost payments.
The department further advised residents to keep detailed financial records during the repair process, including receipts for temporary repairs. These costs may be reimbursable under certain policies.
Residents whose homes have become uninhabitable due to storm damage should also check whether their insurance policy includes coverage for additional living expenses incurred while repairs are underway.
Warning Over Contractor Fraud
Alongside guidance on insurance claims, regulators issued a warning about the increased risk of contractor fraud in the aftermath of natural disasters.
Authorities recommend that homeowners obtain multiple repair bids before agreeing to any work. Checking references and verifying contractor credentials are also essential steps before signing contracts.
Consumer complaint records held by the Better Business Bureau can provide additional insight into a contractor’s reputation, while the state’s Construction Industries Board can confirm whether a contractor holds a valid licence and carries appropriate liability insurance.
Officials also cautioned homeowners against paying contractors upfront or making final payments before work has been completed.
Residents should also be wary of contractors who offer to waive insurance deductibles or promise rebates, practices that regulators say are illegal.
Contracts should be reviewed carefully before signing, and homeowners should never sign documents containing blank spaces. Keeping a copy of all signed agreements and documents is recommended for record-keeping and potential disputes.
Individuals who suspect fraudulent activity are encouraged to report it to the Consumer Protection Unit within the Office of the Oklahoma Attorney General.
Ongoing Support for Storm Recovery
The Oklahoma Insurance Department said it will continue supporting residents as recovery efforts progress, providing guidance on claims, insurance coverage and storm preparedness.
Officials also encouraged residents to review their insurance policies and emergency preparation plans to ensure they are better prepared for future severe weather events.
Additional resources, including storm preparation guidance and information on reviewing insurance coverage, are available through the department’s official website.
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