Oklahoma Weather and Insurance Claims

When is a good time to file an insurance claim?? This is the question we all consider, and in Oklahoma, Missouri, Florida, and Texas, even more so. 

As a fully licensed independent insurance agency we are thankful to write for many different A rated insurance companies. 

When weather strikes whether that is wind, tornadoes, hail, rain, floods, you want your insurance to do its job. 

On homeowners policies, landlord policies, auto policies, and business building coverage, most insurance carriers cover temporary repairs and it is your due diligence to prevent further damage after a loss. 

We always recommend if you “think” the damage isn’t going to meet your deductible on any policy with full coverage, get an estimate before turning a claim in. Move forward with temporary repairs such as boarding up windows or roofs,  or using a tarp, or turning off water to prevent further damage. If the estimate obtained from your contractor is enough to file a claim, we will get that filed and all receipts from those temporary repairs will be included in your claim payment. 

Usually, six to 10 hits per square on a roof is a total loss. Automobile damage is usually visible enough to know if a claim should be turned in or not. 

Flood coverage from exterior rainwaters coming in from the ground MUST be insured under a flood policy. If you do not have a separate flood policy there is no coverage. 

Your mortgage company will require you to carry flood coverage if you are in a FEMA flood zone. If your property floods occasionally, even not in a flood zone, it is your responsibility to obtain flood insurance coverage separate from your homeowners policy.

Know, that our agency is always available 24/7/365, via text message to handle any claims for you. Our phone/text number is 405-261-5179. Thank you so much for allowing us to serve you and if we can help you in any way, even if we are not your insurance agency, as a consultant on your insurance policies or claims, please reach out to us! 

Always STAY SAFE and STAY INSURED!!!

-Darbi Tomlinson