Attorney at Graves McLain Injury Lawyers
Practice Areas: Wrongful Death, Medical Malpractice, Bad Faith Insurance, Car Accidents, T-Bone Tractor-Trailer Accidents, Dangerous Drugs
In April 2024, a series of destructive tornadoes tore through Oklahoma, leaving homes flattened, trees uprooted, and thousands of residents facing costly property damage. In response, President Biden issued a major disaster declaration, unlocking emergency assistance. However, for many homeowners, the first step toward recovery starts with their insurance company.
If you’ve suffered property damage in a natural disaster, knowing how to file an insurance claim—and how to respond if it’s denied—is key to moving forward.
When a disaster strikes, your insurance policy becomes your first line of support. In Oklahoma, homeowners have the right to file a claim for covered damage caused by wind, hail, tornadoes, and other natural events.
That right includes:
Oklahoma law protects policyholders from unfair treatment. The Oklahoma Insurance Code §36-1250, also known as the Unfair Claims Settlement Practices Act, outlines how insurers must respond to valid claims.
The Oklahoma Insurance Department reminds policyholders to file claims as soon as possible after storm damage occurs. Delays can impact your eligibility or reduce your settlement. – Oklahoma Insurance Department.
After a disaster, acting quickly and staying organized can make all the difference. Here’s how to navigate the process:
The outcome of your claim may depend on how well you documented the damage. Photos, receipts, and detailed notes are key. – National Association of Insurance Commissioners (NAIC)
Step | Action | Timeframe |
Report claim | Contact insurance provider | Within 24–72 hours |
Document damage | Take photos, list items | Immediately after damage |
Submit proof of loss | Provide forms, evidence | Within 60 days (varies) |
Adjuster inspection | Meet adjuster, provide all records | Usually within 1–2 weeks |
Settlement offer | Review and negotiate if needed | Within 2–4 weeks |
Repairs and final payment | Use funds to restore property | Varies by severity of damage |
Insurance companies may deny or reduce payouts for many reasons. Common causes include:
If your claim is denied, don’t panic. Start by requesting a detailed written explanation. Then, compare it to your policy language.
Oklahoma’s Unfair Claims Settlement Practices Act prohibits insurance companies from failing to investigate or settle valid claims promptly. – Oklahoma Statute §36-1250.3
You also have the right to appeal. If needed, an attorney can help you challenge a denial and ensure your insurer is held accountable.
A storm doesn’t just damage your roof—it can also affect your home’s long-term value. In the short term, visible damage or partial repairs may reduce how much buyers are willing to pay. If your neighborhood was hit hard, buyers may also hesitate to invest in the area.
Insurance premiums may rise after a claim, making homeownership more expensive. This can make resale more difficult. On the other hand, if your community rebuilds well—with stronger infrastructure and modernized construction—property values may bounce back or even increase.
When a claim is undervalued or denied, you have several options:
If talks stall, mediation or arbitration may resolve the issue faster than going to court.
In April 2024, eight tornadoes hit Oklahoma, prompting a federal disaster declaration. If your home or property was affected, you may be eligible for insurance compensation and federal assistance. – FEMA.gov
Most standard policies cover wind, hail, and tornado damage. Floods and earthquakes often require separate policies.
You can request a detailed written explanation, gather evidence, and file an appeal. For complex disputes, legal help may be needed.
Each policy sets deadlines, but most require you to notify the insurer within days and submit complete documentation within 60 days.
You can make emergency repairs to prevent further damage, but take photos and keep all receipts for reimbursement.
It means the insurer didn’t handle your claim reasonably—delaying, denying without reason, or offering less than your policy allows.
It can in the short term. Long-term value depends on repairs, upgrades, and how the area manages disaster risk.
Recovering from a natural disaster takes time, patience, and persistence—especially when dealing with insurance claims. Filing quickly, keeping detailed records, and understanding your coverage are all critical steps.
If your insurance company isn’t cooperating or your claim was denied without reason, Graves McLain Injury Lawyers may be able to help. We understand how frustrating the process can be and stand ready to review your situation and guide you toward a fair outcome.
When injury victims need a law firm with a reputation for excellence, turn to Graves McLain Injury Lawyers. We are a top-rated personal injury firm determined to be the best. With decades of award-winning representation, our clients recover the compensation they need to put their lives back together.