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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 cases of total loss.
Instead, they typically pay based on their own damage estimates. So, if your house was completely destroyed in a wildfire, you might still receive less than your policy's full coverage amount.
Need help negotiating your structure estimate? We assist Oklahoma homeowners with maximizing their structure insurance claims after wildfires.

2. Contents Coverage: The 50% Pitfall

Insurance companies are paying about 50% of contents policy limits up front, which can be misleading. It feels like a win, but to receive the remaining 50% (or more), you must:

- Create a complete inventory of all lost items  
- Account for depreciation—meaning your list often needs to exceed the total value of your policy

Example:
If your contents policy limit is $130,000, you may need to list up to $200,000 worth of items to receive the full payout.
We help clients with professional inventory assistance and walk you through the entire insurance contents claim process.

3. Start Your Inventory Immediately

If your home is down to the slab, the clock is ticking. Start making your list now, while items may still be visible on site. Once cleanup begins, it becomes significantly harder to prove what you had.

Brown O’Haver offers:
- Inventory creation support  
- On-site assessment assistance  
- Help documenting your wildfire insurance losses

4. No Risk: We Only Charge If We Increase Your Claim

We work on a contingency basis. That means:
- You only pay a fee if we increase your payout
- No charge if your claim doesn’t improve

Need Help With Your Wildfire Insurance Claim?

If you're feeling overwhelmed or underpaid, don't go it alone. Let Brown O’Haver guide you through your Oklahoma wildfire insurance claim.

Serving all of Oklahoma  
Call: 405-735-5510  
Visit: www.brown-ohaver.com

Key Takeaways:
- Oklahoma insurance policies don’t guarantee full payouts after a total loss  
- Contents claims often require over-documentation due to depreciation  
- Time is critical—start inventorying now  
- We offer expert help with no upfront cost