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As wildfires continue to impact communities across Oklahoma, the Oklahoma Insurance Department (OID) has issued guidance to help property owners navigate the insurance claims process.

Insurance Commissioner Glen Mulready emphasized that OID’s Consumer Assistance Division is available to help residents understand their coverage and move forward during this difficult time.

While this guidance is critical for homeowners, commercial property owners face even greater financial risks when wildfire damage disrupts operations. Business interruption, structural damage, smoke contamination, and inventory loss can quickly escalate into six- or seven-figure claims.

Immediate Steps for Businesses After Wildfire Damage

1. Contact Your Insurance Carrier Immediately

Report your commercial property damage claim as soon as possible. Ask specifically about:

1. Business interruption coverage
2. Extra expense coverage
3. Additional living expenses (if applicable)
4.Debris removal coverage

2. Document Everything

Once it is safe:

1. Take detailed photos and video
2. Document structural damage, roof damage, HVAC contamination, smoke infiltration
3. Inventory damaged equipment and inventory

Your insurer has the right to inspect before permanent repairs are made.

3. Track Every Expense

Keep receipts for:

1. Temporary relocation
2. Equipment rentals
3. Emergency repairs
4. Payroll during shutdown

These costs may be recoverable under your policy.

Be Careful When Hiring Contractors

The OID advises:

1. Get multiple bids
2. Verify licensing through the Construction Industries Board
3. Never pay large upfront fees
4. Never sign incomplete contracts
5. Avoid anyone offering to waive your deductible

If fraud is suspected, contact the Oklahoma Attorney General’s Consumer Protection Unit.

Why Commercial Claims Are More Complex

Wildfire damage to businesses often involves:

1. Smoke damage claims
2. Partial structural loss
3. Code upgrade requirements
4. Lost income disputes
5. Undervalued repair estimates

Insurance companies may focus on minimizing payout — especially on large commercial claims.


Need Help With Your Commercial Wildfire Claim?

If your business has suffered wildfire damage in Oklahoma, you don’t have to navigate the claims process alone. As experienced commercial public adjusters, we help:

1. Hotels
2. Schools
3. Medical facilities
4. Retail buildings
5. Industrial properties

We advocate on your behalf to ensure your commercial insurance claim is fully and fairly paid.

For official consumer guidance, you can contact the Oklahoma Insurance Department at 800-522-0071 or visit oid.ok.gov.

If you need expert claim representation, contact us today for a free commercial claim review.