Why Insurers Only Pay Part of Your Contents Claim Up Front — And Why You Shouldn’t Stop There
After a major loss, one of the first checks many homeowners receive is for personal property (contents), which includes everything from furniture and clothing to electronics and kitchen items. Sometimes carriers will pay a large portion up front, sometimes as much as 25–50% of the policy limit. At first glance, this feels like a big win. But here’s the catch: that initial payment is often just the start.
The Partial Payout Strategy
This approach looks generous, but it’s a ...
Why Most Insurance Claims in Oklahoma Get Denied — And How to Avoid It
When disaster strikes—whether it’s a storm, fire, or flood—you expect your insurance company to have your back. But for many Oklahoma homeowners and business owners, that’s not the case. Insurance claim denial in Oklahoma is more common than you might think, and the reasons can range from technicalities to hidden clauses in your policy.
The good news? Read More
How to Handle Insurance Claim Disputes—and Get the Payout You Deserve with Help from Brown O’Haver
Filing an insurance claim is supposed to help you recover—not leave you frustrated and fighting with your insurer. Yet, every year, thousands of policyholders face disputes ranging from unfair denials to ridiculously low settlement offers.
If you've been shortchanged by your insurance company, you're not alone—and you're not powerless.
In this guide, we’ll walk you through the most common insurance claim disputes, how to resolve them effec...
Denied Insurance Claim? Here’s What to Do Next
Getting your insurance claim denied can feel like a punch to the gut. After all, you’ve paid your premiums, followed the process, and trusted that your provider would come through when it mattered most. So, what happens when they don’t?
Whether it’s a commercial property damage claim or a residential loss, a denial doesn't have to be the end of the road. In fact, it might be the beginning of a smarter, more strategic approach—with the help of a public insurance adjuster.
Let’s bre...
Oklahoma Wildfire Insurance Claims: What Homeowners Need to Know
If you’ve been affected by the recent wildfires in Oklahoma, you’re likely already dealing with the stress of property damage—and possibly confusion about your insurance claim. This post breaks down what we’re seeing across the state, especially for homeowners seeking full payouts for wildfire-related losses.
1. Oklahoma Is Not a Value Policy State
Oklahoma is not a value policy state. This means insurance companies are not required to pay the full policy limit, even in ...
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