Good Questions. Clear Answers.

Ask your insurer for your claim file and the adjuster’s estimate in writing, and keep every letter, email and photo. You can file a complaint with the Oklahoma Insurance Department at 800-522-0071. You also have the right to talk with an attorney of your choosing.

This site can’t tell you whether you have a case.

As soon as it’s safe, photograph the roof, gutters, vents, siding and windows from the ground, and note the date and time. Keep the storm date, any hail reports for your area and any roofer’s inspection report. Don’t climb on the roof yourself.

The Oklahoma Insurance Department takes consumer questions and complaints at 800-522-0071.

No. Sharing your story doesn’t make you part of any case and doesn’t make you anyone’s client. We read every submission. We only share a story publicly if you check the box that allows it.

The State’s lawsuit is against State Farm. In July 2026, the Attorney General filed a similar lawsuit against Allstate.

Homeowners and the State allege that starting in 2020, State Farm ran an internal program to cut payouts on wind and hail roof claims, replacing fewer roofs and closing more claims without payment. Company figures filed in court show 26,089 of 117,019 Oklahoma wind and hail claims closed with no payment from 2019 to 2025.

The State’s lawsuit alleges violations of the Oklahoma Consumer Protection Act and the state’s racketeering law. No court has ruled on these allegations.

State Farm says it strongly disagrees with broad claims that mischaracterize how it serves customers or evaluates damage, and that it has paid more than $1 billion to Oklahoma customers for wind and hail damage. It has defended its claims practices as ordinary business operations.

They are State Farm’s internal records, produced in the lawsuits under court orders that kept them confidential. A Comanche County judge ordered the company to produce 800,000 documents, then ruled it could not mark all of them confidential. The first 159 pages became public in August 2026. In September, an Oklahoma County judge ordered 11 more released in Hursh v. State Farm.

More than 900 Oklahomans allege State Farm underpaid or denied their storm claims, according to KJRH. The Attorney General’s case survived State Farm’s motion to dismiss in September 2026. West v. State Farm is expected to go to trial in Comanche County in November; the date isn’t final. Hursh v. State Farm is set for trial in Oklahoma County on Dec. 7. See the court calendar on the home page.

The name reflects what the lawsuits allege. No court has ruled on those allegations, and State Farm denies them.

Paid for by [501 c4 name].

Homeowners in other states have raised similar complaints about roof claims. Sites for other states are in development.