Are You Covered for Storm Damage in Oklahoma?

Living in Oklahoma means dealing with unpredictable weather, including powerful tornadoes and damaging hailstorms. Homeowners need to understand how their insurance policy responds to storm damage and where coverage might fall short.

What Does Homeowners Insurance Typically Cover?

Most standard homeowners insurance policies in Oklahoma can include coverage for several types of storm damage, such as:

• Wind damage—Losses caused by high winds, including tornadoes, are generally included.
• Hail damage—Damage to your roof, siding, windows, and other parts of your home from hail is often covered.
• Falling objects—If a tree or debris damages your home during a storm, repairs are typically included.
• Water damage (from rain entering through a storm-damaged roof or window)—This may be covered, but only if the opening was caused by a covered peril like wind or hail.

What’s Not Typically Covered?

While homeowners insurance offers broad coverage, there are important exclusions to keep in mind:

• Flooding—Standard policies do not cover flood damage caused by storms. Separate flood insurance is required for this risk.
• Earth movement—Damage from earthquakes or landslides, which can follow severe storms, is typically not included.
• Maintenance issues—Damage resulting from lack of upkeep, such as pre-existing roof leaks, is often not covered.

Why Review Your Policy?

Oklahoma’s severe weather can be unpredictable, and insurance policies vary. Reviewing your coverage can help you avoid surprises from exclusions or limitations. Our team can explain your policy, identify any gaps and recommend additional options, such as flood or windstorm insurance, if needed.

Get Support

Storm readiness includes understanding your insurance coverage before disaster strikes. If you have questions about your homeowners policy or want to confirm your coverage for Oklahoma storms, contact Best Insurance, Inc today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.