Your Insurance Company Doesn't Get the Final Word
When an insurance adjuster denies your roof damage claim, it's not the end of the road. Oklahoma law provides strong protections for policyholders, including the right to a independent appraisal, the right to legal representation, and recourse for bad faith insurance practices. Proof Construction's supplement intelligence team has successfully overturned over 200 denied claims in the Tulsa area. Here's what you need to know about your legal rights in Oklahoma.
Oklahoma Insurance Laws That Protect You
- Right to Appraisal (OK Stat § 36-3625): If you and your insurer disagree on the amount of loss, either party can demand an appraisal. You select a competent appraiser, they select one, and an umpire resolves differences. The resulting award is binding.
- Bad Faith Insurance (OK Stat § 36-3628): Insurance companies have a duty to deal fairly and in good faith with their policyholders. Unreasonable denial of a claim, failure to conduct a reasonable investigation, or lowballing an estimate can constitute bad faith — and you can sue for damages including attorney fees.
- Statute of Limitations: You have 2 years from the date of loss to file a lawsuit for breach of contract. For bad faith claims, you have 2 years from the date the insurer denied the claim.
How We Help You Appeal a Denial
Proof Construction's forensic team reviews your adjuster's scope of work line by line, identifying missed items, incorrect material specifications, and improper depreciation. We prepare a comprehensive supplement package with photo evidence, forensic inspection, and industry-standard pricing (Xactimate) that demands reconsideration. In most cases, we can overturn denied line items within 30 days without involving an attorney.