{"id":712,"date":"2026-08-26T09:06:44","date_gmt":"2026-08-26T09:06:44","guid":{"rendered":"https:\/\/frontierhousingreport.com\/?p=712"},"modified":"2026-08-26T09:06:44","modified_gmt":"2026-08-26T09:06:44","slug":"cracking-down-on-big-insurance-in-oklahoma","status":"publish","type":"post","link":"https:\/\/frontierhousingreport.com\/?p=712","title":{"rendered":"Cracking Down on Big Insurance in \u2026 Oklahoma?"},"content":{"rendered":"
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The Revolving Door Project, a<\/em> Prospect partner, scrutinizes the executive branch and presidential power. Follow them at therevolvingdoorproject.org.<\/em><\/p>\n

Read more Will the Republican Justices OK Trump\u2019s Efforts to Winnow the Midterm Electorate?<\/a><\/p>\n

This summer, Oklahoma Attorney General Gentner Drummond filed a pair of lawsuits against Allstate and State Farm, accusing the property insurance giants of unjustly denying or underpaying wind- and hail-related claims. The suits allege that both corporations set up racketeering schemes to systematically defraud home insurance policyholders whose roofs were damaged during severe storms. According to the complaints, the companies for several years have covertly altered claims standards to achieve fixed outcomes\u2014that is, made them tougher to avoid having to pay claims\u2014limited the decision-making authority of certified adjusters, and relied on unlicensed outside reviewers or upper-level managers to cut payouts to consumers.<\/p>\n

As Allstate and State Farm allegedly shortchanged consumers who believed they had been paying for full coverage, both companies made enormous profits. Bob Hunter, an actuary who previously served as Texas insurance commissioner and then led insurance fairness advocacy work at the Consumer Federation of America, said that he\u2019s \u201cnever seen anything so atrocious\u201d when it comes to claims mishandling. Based on documents unveiled in pre-existing civil cases brought by plaintiffs, Allstate and State Farm have reportedly cheated tens of thousands of customers and pocketed billions of dollars in the process. Drummond is seeking to halt and dismantle both firms\u2019 alleged payout minimization schemes and compel the \u201cdisgorgement of illicit profits.\u201d<\/p>\n

Read more from the Revolving Door Project<\/strong><\/em><\/p>\n

It\u2019s important to note that Oklahoma is not the only state confronting the property insurance industry. Investigations and legal actions are also under way in California and Illinois. Still, for the many public officials who have yet to act, the scope of abuses alleged in Oklahoma\u2019s lawsuits against Allstate and State Farm\u2014filed by a Republican attorney general in one of the most conservative states in the country, no less\u2014exemplifies the need for robust regulatory and enforcement action. In short, Drummond alleges that these corporate giants are unfairly profiting by tricking people about insurance terms, refusing to pay out legitimate claims, and so on.<\/p>\n

Property insurers make profits in two ways. Some money comes directly from underwriting, or the practice of selling insurance coverage. Although home insurers are than they suggest, their most important source of profit comes from investing policyholders\u2019 premiums in capital markets. Both sides of the business are closely linked. Predatory practices on the underwriting side, such as claim denials and delays, help fuel high investment returns because they enable insurers to keep more<\/em> money in financial markets for longer<\/em>.<\/p>\n

The country\u2019s five largest property insurers, including Allstate and State Farm, now close nearly half of all homeowner claims without payment, up from just over a third in 2016. Furthermore, a recent analysis shows that every day homeowner claims are postponed yields $8.8 million in extra interest and investment income for the industry. Engaging in unscrupulous practices to minimize payouts and maximize revenue available for investing helps explain how insurers continue to rake in massive profits year after year even amid the climate crisis.<\/p>\n

Taking On Big Insurance in Oklahoma<\/strong><\/h4>\n

Oklahomans pay more than twice the national average for home insurance. And yet about a quarter of all homeowners\u2019 claims are denied statewide, according to data from the National Association of Insurance Commissioners. What\u2019s more, between 2021 and 2025, the ratio of claims closed without payment to total claims closed grew by 13 percent statewide, the fifth-highest increase in the country during that period. Oklahoma trailed only Iowa (41 percent increase), South Dakota (40 percent), Minnesota (17 percent), and Louisiana (16 percent). The first three states listed are, like Oklahoma, major recipients of hail and wind.<\/p>\n

In addition to allegedly improperly denying claims, Allstate and State Farm are accused of drastically slashing payments to policyholders.<\/p>\n

Drummond alleges that has done this by implementing a program called the \u201cDisaster Payment Minimization Scheme.\u201d Despite marketing its policies as providing replacement cost coverage for storm-related damages, Allstate \u201cdoes not issue\u201d such policies in Oklahoma, according to Drummond\u2019s lawsuit. Instead, the company has \u201csecretly substituted restrictive, extra-contractual standards and used those hidden standards to deny or minimize payment of legitimate covered losses\u201d since at least 2020 in Oklahoma and other markets.<\/p>\n

To hit its \u201cpredetermined savings targets,\u201d Allstate has allegedly stripped licensed field adjusters of their ability to approve coverage of wind- and hail-related losses along with repair cost estimates. In addition, the suit accuses Allstate of replacing in-person inspections performed by adjusters with visits from unauthorized, third-party \u201cpicture-takers.\u201d Ultimate decision-making authority allegedly rests with external \u201creviewers\u201d who \u201croutinely deny coverage and require adjusters to alter their estimates\u201d to satisfactory levels. According to the suit, Allstate often eliminates payments entirely by reducing an estimate \u201cbelow the threshold of the policyholder\u2019s deductible.\u201d<\/p>\n

As Oklahoma Watch reports, the methods allegedly used by Allstate to arbitrarily reduce hail and wind claim payouts throughout the Sooner State can be traced to a pilot program the company launched in Albuquerque, New Mexico, in 1997, at the behest of management consultants at McKinsey & Company.<\/p>\n

In a statement, Allstate said, \u201cThis lawsuit has no merit and serves Billboard Lawyers who turn routine insurance claims into lawsuits, making insurance more expensive for everyone. Allstate is committed to supporting customers with timely and fair claim payments based on their policy to help them recover from storms.\u201d<\/p>\n

Drummond\u2019s lawsuit against contains very similar allegations. It accuses the company of conspiring for years to reduce roof replacement approvals and lower claim payments in Oklahoma and other markets through a scheme known as the \u201cHail Focus Initiative.\u201d State Farm management asserted internally that the company \u201cwas approving \u2018too many\u2019 roof claims,\u201d according to the suit. In response, State Farm modified its internal claim standards and curtailed field adjusters\u2019 authority to approve full roof replacements\u2014changes made \u201cwith the express purpose of reducing the total number and dollar amount of roof indemnity payments,\u201d the complaint says. Under the program, the company allegedly requires \u201chigher-level managers\u201d to greenlight total roof replacements, thus \u201ccreating additional layers of scrutiny and opportunities to deny, delay, and limit claims.\u201d<\/p>\n

Read more Organized Money: An Existential Threat to Neighborhood Restaurants<\/a><\/p>\n

State Farm\u2019s \u201cremote evaluation process for claims\u201d was first tested in Dallas, Texas, in 2020 before being \u201cquickly expanded\u201d to other states, per Oklahoma Watch. The outlet notes that Nicole Manduca, described as the \u201cringleader\u201d of the company\u2019s wind and hail initiative, had announced a goal of shrinking payouts by 50 percent and \u201csubsequently boasted of success\u201d on social media. A plaintiff\u2019s attorney told the outlet that State Farm in 2026 is using the same restrictive definitions of hail damage devised 20 years ago by Haag Engineering, a technical consulting firm that Allstate hired to retrain its employees.<\/p>\n

In a statement, State Farm said that it \u201cremains committed to helping customers recover after storms, providing access to insurance, and working constructively with the regulator to benefit Oklahoma consumers.\u201d \u201cWe fairly and diligently evaluate every claim and pay what we owe under the policy based on the facts and coverage purchased,\u201d the company claimed. \u201cUnfortunately, the continued focus on these allegations appears driven more by political motivations than by the facts or the needs of Oklahoma consumers.\u201d<\/p>\n

Broadening the Crackdown on Big Insurance<\/strong><\/h4>\n

Other states are also taking action. In California, where many people who survived the early-2025 Los Angeles wildfires have been forced to wait for insurance payouts, claim denials and delays have received more attention lately, including from regulators. The California Department of Insurance in May took legal action against State Farm after its investigation documented hundreds of violations of state law in the company\u2019s handling of wildfire and smoke damage claims. While the fine sought by regulators is minuscule because penalties are legally capped at $10,000 per violation, the department also filed an administrative action that could lead to the suspension of State Farm\u2019s license to write new policies in California for up to a year. Moreover, deterring corporate misconduct is high on the list of priorities for the candidates vying to replace outgoing insurance commissioner Ricardo Lara.<\/p>\n

Officials in Illinois, where Allstate and State Farm are domiciled and thus subject to additional scrutiny, have also taken important steps to rein in corporate wrongdoing. Last year, Attorney General Kwame Raoul sued State Farm over the company\u2019s alleged obstruction of an investigation into the company\u2019s underwriting practices. According to the , filed on behalf of Illinois Insurance Director Ann Gillespie, State Farm has refused to provide data in compliance with the regulatory examination that Gillespie\u2019s department launched in 2024.<\/p>\n

It\u2019s a different story in Oklahoma. Drummond, one of two Republican gubernatorial candidates who advanced to Tuesday\u2019s primary runoff, had to take matters into his own hands because Insurance Commissioner Glen Mulready is evidently not interested in the problem. Like many other state insurance commissioners, Mulready passed through the revolving door from the industry he\u2019s now tasked with regulating, having previously served as VP of marketing at Blue Cross Blue Shield of Oklahoma. Mulready has never used his authority to deny a rate hike requested by a home insurer; in fact, he has expressed opposition to regulating insurance rates in general, opining that maintaining a \u201ccompetitive free market\u201d will do the trick. It\u2019s not exactly shocking to think such a character would refrain from exposing and fighting the claims mishandling epidemic plaguing Oklahoma\u2019s insurance market.<\/p>\n

This situation is less than ideal. As the Consumer Federation of America pointed out recently, \u201cMulready\u2019s inaction made conventional oversight ineffective, leaving the Attorney General\u2019s office to fill the gap through litigation\u2014which means consumers might only get protected after the damage has been done rather than protected from it, as sound regulation could have provided.\u201d<\/p>\n

While developments in Illinois reflect the promise of complementary action between insurance commissioners and attorneys general, Oklahoma illustrates that in practice, some AGs may have to act in spite of passive regulators. In any case, much work remains to be done by insurance commissioners and<\/em> attorneys general. People around the country are for stronger oversight and accountability. Drummond\u2019s lawsuits, which allege that Allstate and State Farm are ripping off consumers in Oklahoma and \u201cother markets,\u201d provide a clear opening.<\/p>\n

Foregrounding the Climate Crisis<\/strong><\/h4>\n

One thing will almost certainly be missing from state lawsuits unless advocates fight for its inclusion: the all-important climate crisis angle.<\/p>\n

Like other forms of extreme weather, the severe convective storms ruining roofs across Oklahoma (and elsewhere) are becoming more frequent and intense due to fossil fuel\u2013driven global warming. The insurance industry is not an innocent bystander in all of this. It continues to prop up the fossil fuel industry, the leading source of planet-wrecking emissions, through its dirty-energy investments\u2014more than half a trillion dollars\u2019 worth, led by State Farm and Berkshire Hathaway\u2014and by new coal, oil, and gas projects. Moreover, the American Property Casualty Insurance Association, the industry\u2019s biggest lobbying group, recently with Big Oil in the latter\u2019s fight against climate liability lawsuits. While portraying themselves as helpless victims, insurers are climate chaos.<\/p>\n

What Oklahoma\u2019s lawsuits against Allstate and State Farm reveal is twofold: Powerful insurance companies are impeding the ability of households to recover from extreme weather events, and they are obscuring the true scale of mounting climate risks and thus the magnitude of proactive adaptation that\u2019s necessary. Accurate insurance payouts should be sending a clear signal about real climate risks. But by stiffing consumers to boost profits, insurers offload the costs of climate change onto individuals while also distorting a metric that should indicate just how much investment is needed to climate-proof the country\u2019s housing stock.<\/p>\n

At issue is alleged systemic fraud on a mass scale. And it\u2019s inseparable from our deteriorating climate mess. In addition to harming individual policyholders, Allstate and State Farm\u2019s reputed pattern of underestimating roof damages throughout Oklahoma twists the picture of how badly entire communities are being, and will be, negatively affected by pollution-turbocharged storms. The firms\u2019 alleged deception makes disaster prevention and mitigation that much harder. Just as fossil fuel companies with detailed knowledge about the need for decarbonization delayed action, insurers are sitting on troves of data that could be used to improve resilience.<\/p>\n

The potential benefits of cracking down on property insurers go beyond thwarting \u201cunjust enrichment,\u201d as called for in Drummond\u2019s petitions against Allstate and State Farm. Through investigations, enforcement actions, and lawsuits, state officials can help liberate useful information about worsening hazards and make it available to planners and others involved in reducing disaster risk at all levels of society. To rein in this increasingly rapacious industry, federal and state governments will have to step up their regulation and oversight.<\/p>\n

Read more You Can Take This as Gospel<\/a><\/p>\n<\/div>\n


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