By Oklahoma Insurance Commissioner Glen Mulready 
No matter the insurance type, filing an insurance claim can be stressful. When issues arise or your claim gets denied, that stress can compound. There is no need to worry! I want to share with you some advice and resources available through the Oklahoma Insurance Department (OID).
Know your policy.
My biggest piece of advice to help avoid issues or denials is to know your policy. Often, disputes originate from misunderstandings about coverage. I recommend reviewing your policy with your agent regularly and asking any questions about your coverage or whether you have any gaps. Eliminate any surprises by knowing your deductibles, coverage limits, exclusions (something not covered by a policy) and endorsements. Keep physical and digital copies so you can access your policy at any time.
Documentation is critical.
When filing a claim, document everything. For example, if you are filing a homeowners claim for storm damage, take plenty of pictures and videos of the damage. Have your home inventory readily available to show exactly which belongings need to be replaced. Keep a record of all communications with your insurance company. Always file your claims as soon as possible. Detailed documentation will speed up your claims process and help handle any disputes that arise.
Understand your denials.
It’s important to understand that claims denials are not always final. Review them carefully. Seek explanations in writing from your insurer. Some common reasons for denials include policy exclusions, missed deadlines and incomplete information. Compare your denial letters with the exact language in your policy. Always ask questions if anything is unclear.
Help is available.
If you believe your claim was incorrectly denied, free help is available through OID’s Consumer Assistance Division. Our team can review consumer complaints, communicate with insurers, and ensure outcomes comply with Oklahoma law and your insurance contract. You can speak to our team by calling 800-522-0071 or file a complaint at oid.ok.gov/complaint.
Mediation can be a path to resolution.
If we are unable to resolve the matter through the complaint process, EAGLE (Ending Arguments Gently, Legally and Economically) mediation could be an option. The OID Legal Division will contact both parties and send each an agreement to mediate, which must be signed and returned to OID before the mediation can be set. OID works with the parties and the mediator to schedule the mediation at an agreed-upon date and time. OID staff do not attend the mediation. If a negotiated settlement cannot be reached by the parties, the mediation is terminated, and the parties maintain the option of litigating their dispute.
Issues that arise when filing an insurance claim can add to an already stressful situation. Preparation and knowledge, though, are your best tools. Review your policies regularly, stay organized and reach out for assistance when needed. OID is always here to help!
