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Wednesday, May 25, 2011
Oklahoma Insurance Commissioner John Doak offered the following advice for Oklahomans dealing with damage from Tuesday’s tornado outbreak:
What to Do if Your Home is Damaged:
Call your insurance company or agent with your policy number and all relevant information as soon as possible. Cooperate fully with your company or agent, asking what forms, documents and data you will need to provide in order to process your claim.
What Damage to Your Home is Covered?
Commissioner Doak notes that damages caused by wind, wind-driven rain, trees or other falling objects, and the collapse of a structure are covered under most standard homeowners policies. However, you should review your individual insurance contract to determine specific coverage and exclusions. Check your policy and call your insurance agent or company for clarification with specific questions.
What Damage to Your Home is Not Covered?
Commissioner Doak cautions that the following weather-related events are usually not covered by standard homeowners insurance policies:
When to Contact the Oklahoma Insurance Department
If you have a dispute with your insurer or agent about the amount or terms of a claim settlement, Commissioner Doak encourages you to contact the Oklahoma Insurance Department at http://oid.ok.gov or (800) 522-0071.
ABOUT THE OKLAHOMA INSURANCE DEPARTMENT
The Oklahoma Insurance Department, an agency of the State of Oklahoma, is responsible for the education and protection of the insurance-buying public and for oversight of the insurance industry in the state.