Oklahoma Insurance Dept. shares storm tips

OKLAHOMA CITY (KFOR) - The Oklahoma Insurance Department (OID) is sharing guidance for Oklahomans affected by the severe storms in Oklahoma November 2-4.

"I know folks are feeling overwhelmed in the wake of these storms," Insurance Commissioner Glen Mulready said. "OID is here to help you navigate your insurance claims process or address any issues you might have with insurers."

Here are some post-storm tips for victims:

1. Access and document your damage. Take numerous photos or videos of the damage. Don't throw anything away unless your insurance company tells you to.
2. Make the necessary repairs to prevent further damage. Cover broken windows, holes, leaking roofs and damaged walls. Do not have permanent repairs made until your insurance company has inspected the property and you have reached an agreement with them on the cost of appropriate repairs. Move undamaged items to a safe location when necessary to avoid theft or additional loss.
3. Have your roof inspected by a trusted roofing contractor. If the damages are below or slightly over your deductible, you will want to pay for the repairs. If they exceed your deductible, turn the claim in to your insurance carrier.
4. Contact your insurance company or agent after you have an estimate for repairs. Ask what forms, documents and information you need to provide to process your claim. Remember that replacement cost policies require the work to be completed within six months of the date of loss to receive the replacement cost payments that were withheld.
5. Save all receipts. If you made repairs to your property, save all receipts, including those from the temporary repairs that your insurance policy might cover.
6. Ask about additional living expenses. If your home is damaged to the extent that it is unlivable, ask your insurance provider if you have coverage for living expenses incurred while repairs are being made.

Remember these tips when you're dealing with contractors to avoid fraud:

• Always get more than one bid.
• Check references and phone numbers. Contractor complaint information is collected by the Better Business Bureau. You can contact the Construction Industries Board to make sure the contractor has a valid license to do business in the state and that they carry liability insurance.
• Don't pay upfront, and don't make your final payment until the job is finished.
• Avoid contractors who offer to waive your deductible or promise a rebate (It's against the law!).
• Never sign a contract with blank spaces; always keep a copy for your records.

Anyone impacted by storms can contact OID's Consumer Assistance division at 1-800-522-0071 or by visiting oid.ok.gov. Oklahomans can report damage at damage.ok.gov. If you suspect contractor fraud, contact the AG's Office Consumer Protection Unit at 1-833-681-1895.

You can find more information concerning storms and reviewing your insurance coverage at oid.ok.gov/GetReady.