Oklahoma Storm Damage Claims: Don’t Let Insurers Push You Around

When severe storms hit Oklahoma, they can leave behind more than just fallen trees and roof damage—they can leave homeowners battling their own insurance companies. At Double Horn Injury Law, we’ve seen how frustrating and overwhelming it can be to get a fair payout after storm damage. That’s why we’re breaking down what you need to know about storm damage insurance claims and bad faith insurance.

What Is a Storm Damage Insurance Claim?

If your home or property was damaged by wind, hail, lightning, or other storm-related events, your homeowners insurance policy should cover those losses. Common storm damage includes:

• Roof and siding damage

• Broken windows

• Flooding and water damage

• Structural damage

• Fallen trees and debris

To start the claims process, you’ll typically contact your insurance company, submit documentation (like photos, estimates, and reports), and wait for an adjuster to assess the damage.

Common Issues Homeowners Face with Insurance Claims

Unfortunately, not all insurance companies treat their policyholders fairly. Many homeowners report:

• Delayed payments

• Lowball settlement offers

• Unreasonable claim denials

• Pressure to accept unfair terms

• Lack of communication

These tactics may indicate bad faith insurance practices, and you don’t have to accept them.

What Is Bad Faith Insurance?

Bad faith occurs when an insurance company fails to uphold its duty to act honestly and fairly toward you. In Oklahoma, insurers are legally obligated to process claims promptly, conduct proper investigations, and pay valid claims without unnecessary delay.

Examples of bad faith include:

• Ignoring valid evidence of damage

• Failing to explain claim denials

• Refusing to communicate or return calls

• Purposely underestimating the cost of repairs

• Misrepresenting coverage details

If your insurance company isn’t playing fair, it may be time to get legal help.

What You Can Do to Protect Your Claim

To strengthen your storm damage claim and avoid common pitfalls:

• Document everything – Take clear photos and videos of all damage.

• Save receipts – Keep track of repair costs, temporary housing, or clean-up expenses.

• Get independent estimates – Don’t rely only on the insurer’s adjuster.

• Avoid signing anything too quickly – Settlement agreements can limit your ability to recover full damages.

• Talk to an attorney – Legal support can help ensure you get the compensation you’re owed.

How Double Horn Injury Law Can Help

If your insurance company is giving you the runaround after storm damage, we can step in. At Double Horn Injury Law, we fight back against bad faith insurance tactics and help Oklahoma homeowners get the full value of their claims. Best of all? We don’t get paid unless you do.

📞 Call or TEXT us today at (405) 329-7644 for a free consultation. We’re here to make sure your rights—and your property—are protected.