Oklahoma Insurance Department Provides Post-Storm Tips

The Oklahoma Insurance Department is offering assistance to residents affected by the severe storms that hit the state in early November.

Tornadoes and severe storms struck Oklahoma Nov. 2-4, injuring at least 11 people and causing damage to homes and businesses.

“I know folks are feeling overwhelmed in the wake of these storms,” Insurance Commissioner Glen Mulready said. “OID is here to help you navigate your insurance claims process or address any issues you might have with insurers.”

The OID provides these post-storm tips for veterans:

1. Access and document your damage. Take numerous photos or videos of the damage. Don’t throw anything away unless your insurance company tells you to.
2. Make the necessary repairs to prevent further damage. Cover broken windows, holes, leaking roofs and damaged walls. Do not have permanent repairs made until your insurance company has inspected the property and you have reached an agreement with them on the cost of appropriate repairs. Move undamaged items to a safe location when necessary to avoid theft or additional loss.
3. Have your roof inspected by a trusted roofing contractor. If the damages are below or slightly over your deductible, you will want to pay for the repairs. If they exceed your deductible, turn the claim in to your insurance carrier.
4. Contact your insurance company or agent after you have an estimate for repairs. Ask what forms, documents and information you need to provide to process your claim. Remember that replacement cost policies require the work to be completed within six months of the date of loss to receive the replacement cost payments that were withheld.
5. Save all receipts. If you made repairs to your property, save all receipts, including those from the temporary repairs that your insurance policy might cover.
6. Ask about additional living expenses. If your home is damaged to the extent that it is unlivable, ask your insurance provider if you have coverage for living expenses incurred while repairs are being made.