Oklahoma residents whose roof damage claims were denied or underpaid between Jan. 1, 2021 and Dec. 31, 2025 now have a path to relief, thanks to a settlement between State Farm and the Oklahoma Insurance Department, according to KOCO.
The agreement sets aside a minimum of $35 million for qualifying claims, with State Farm agreeing to add additional funds if needed. A separate KOCO report cites the settlement total as $45 million, highlighting a discrepancy in reported figures that both numbers reference the same pool of funds for homeowners.
Homeowners will receive a notice from State Farm, approved by the Oklahoma Insurance Department, by Dec. 31. The notice will explain how to opt in for an independent review. Those who choose to participate will have their claims examined by an independent claims administrator selected jointly by the department and State Farm, with the review period lasting six months in the coming year.
Insurance Commissioner Glen Mulready explained that the department hired a third‑party engineering firm to inspect homes where claims had been denied, underpaying, or closed below the deductible. “We hired a third‑party engineering firm to actually go out and inspect homes where the claims have been denied,” Mulready said.
State Farm issued a statement acknowledging the settlement while disputing the Oklahoma Insurance Department’s market‑conduct examination findings. “We disagree with the findings and characterizations in the OID’s market conduct examination report, but the settlement provides a path forward for customers,” the insurer said, according to KOCO.
Mulready cautioned residents to watch for potential scams, reminding them that legitimate communications will come directly from State Farm or the Oklahoma Insurance Department. “This could generate some potential scams for folks, and folks should be on guard for that,” he warned.
What’s next: Eligible homeowners should watch for the Dec. 31 notice, decide whether to opt in, and submit any required documentation within the six‑month review window. The independent administrator will then determine eligibility and any additional compensation owed.
