State Farm to Pay More Than $45 Million in Oklahoma Settlement Over Improperly Denied Roof Claims
The Oklahoma Insurance Department released on November 13 the results of a market conduct examination of State Farm Fire and Casualty Company, finding that the insurer improperly denied or failed to pay homeowners' wind and hail roof claims. The settlement totals more than $45 million.
The settlement has three parts: a minimum of $35 million in restitution for eligible consumers; $10 million for the Strengthen Oklahoma Homes grant program; and $2.86 million in fines and examination expenses paid to the department.
Claims eligible for a fresh review are wind or hail losses with a date of loss between January 1, 2021 and December 31, 2025 that were closed without payment, including claims that were only partially paid or paid below the deductible. An independent third-party administrator, mutually selected by State Farm and the department, will re-review the claims. State Farm will send department-approved written notices to potentially eligible policyholders, who may opt in.
The department said the examination and settlement are meant to correct the company's roof-claim practices and give homeowners whose claims were improperly denied a new review. Consumers with questions can call the department at 800-522-0071.
The Strengthen Oklahoma Homes program helps homeowners fortify their roofs against hail and high winds. The department says participants with fortified roofs save an average of about $700 a year on premiums.
(Source: Oklahoma Insurance Department)
Source: Oklahoma Insurance Department
Published by GSM · USA (original Chinese edition)
Photo: 图片来源：Wikimedia Commons，Xltel (Tom Holland) 摄「Oklahoma State Capitol 2」（CC BY-SA 3.0），图中为位于 Oklahoma City 的俄克拉何马州议会大厦 Image: Wikimedia Commons, "Oklahoma State Capitol 2" by Xltel (Tom Holland) (CC BY-SA 3.0), showing the Oklahoma State Capitol in Oklahoma City
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