{"id":746844,"date":"2025-05-15T06:00:00","date_gmt":"2025-05-15T11:00:00","guid":{"rendered":"https:\/\/oklahomawatch.org\/?p=746844"},"modified":"2025-11-19T20:42:19","modified_gmt":"2025-11-20T02:42:19","slug":"hail-no-hail-storms-do-not-explain-oklahomas-outrageous-homeowners-insurance-rates","status":"publish","type":"post","link":"https:\/\/oklahomawatch.org\/2025\/05\/15\/hail-no-hail-storms-do-not-explain-oklahomas-outrageous-homeowners-insurance-rates\/","title":{"rendered":"Hail No! Hail Storms Do Not Explain Oklahoma\u2019s Outrageous Homeowners\u2019 Insurance Rates"},"content":{"rendered":"<div class=\"wp-block-custom-everlit-iframe-embed\"><iframe loading=\"lazy\" title=\"Everlit Audio Player\" src=\"https:\/\/everlit.audio\/embeds\/artl_XQlJkFBN68a?client=wp&amp;client_version=2.6.0\" width=\"100%\" height=\"80px\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen=\"\"><\/iframe><\/div>\n\n\n<p>It\u2019s hardly news: Oklahoma homeowners\u2019 insurance rates are high, perhaps the highest in the nation. A recent Wall Street Journal<em> <\/em><a href=\"https:\/\/www.wsj.com\/finance\/home-insurance-costs-oklahoma-hail-88f93dc5?st=9kBhC7&amp;reflink=desktopwebshare_permalink\">article<\/a>, relying heavily on input from Oklahoma Insurance Department Commissioner Glen Mulready, said that hail damage explains the elevated rates.<\/p>\n\n\n\n<p>Puzzled weather experts wondered whether that might be an excuse to stifle questions, as the data used to blame hail shows the opposite: Oklahoma has had less hail than states with lower rates.<\/p>\n\n\n\n<p>The real culprit may be a bit of legislative sleight of hand, performed to cut a loophole in decades-old federal law.<\/p>\n\n\n\n<p>The rubrics vary and the numbers toggle up and down year to year, but the message remains the same: rates are high.<\/p>\n\n\n\t<div class=\"wp-block-newspack-blocks-homepage-articles is-style-borders wpnbha show-image image-alignright ts-4 is-1 is-landscape is-style-borders\" style=\"\">\n\t\t<div data-posts data-current-post-id=\"746844\">\n\t\t\t\t\t\t\t<h2 class=\"article-section-title\">\n\t\t\t\t\t<span>the latest<\/span>\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t\n\t<article data-post-id=\"754196\" class=\"tag-attorney-general tag-cdc tag-covid-19 tag-george-monks tag-measles tag-oklahoma-news tag-oklahoma-state-department-of-health tag-oklahoma-state-medical-association tag-whooping-cough category-health category-publichealth type-post post-has-image\">\n\t\t\t\t\t\t\t<figure class=\"post-thumbnail\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/2026\/01\/05\/oklahoma-health-department-refuses-to-share-county-level-measles-data\/\" rel=\"bookmark\" tabindex=\"-1\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=1200%2C900&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-large size-newspack-article-block-landscape-large wp-post-image\" alt=\"Oklahoma Health Department Refuses to Share County-Level Measles Data\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?zoom=2&amp;resize=1200%2C900&amp;ssl=1 2400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=1200%2C900&amp;ssl=1&amp;w=370 370w\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\">\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/figure><!-- .featured-image -->\n\t\t\n\t\t<div class=\"entry-wrapper\">\n\t\t\t\t\t\t<h3 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2026\/01\/05\/oklahoma-health-department-refuses-to-share-county-level-measles-data\/\" rel=\"bookmark\">Oklahoma Health Department Refuses to Share County-Level Measles Data<\/a><\/h3>\t\t\t\t\t\t\t\t\t\t<div class=\"entry-meta\">\n\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/author\/paulmonies\/\"><img data-recalc-dims=\"1\" alt=\"Avatar photo\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/cropped-Paul-Monies.jpg?resize=48%2C48&amp;ssl=1\" srcset=\"https:\/\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/cropped-Paul-Monies-96x96.jpg 2x\" class=\"avatar avatar-48 photo\" height=\"48\" width=\"48\"><\/a>\t\t\t\t\t\t<span class=\"byline\">\n\t\t\t\t\t\t\t<span class=\"author-prefix\">by<\/span> <span class=\"author vcard\"><a class=\"url fn n\" href=\"https:\/\/oklahomawatch.org\/author\/paulmonies\/\">Paul Monies<\/a><\/span>\t\t\t\t\t\t<\/span><!-- .author-name -->\n\t\t\t\t\t\t<time class=\"entry-date published\" datetime=\"2026-01-05T06:01:00-06:00\">January 5, 2026<\/time><time class=\"updated\" datetime=\"2026-01-05T11:05:42-06:00\">January 5, 2026<\/time>\t\t\t\t<\/div><!-- .entry-meta -->\n\t\t\t\t\t\t\t\t<\/div><!-- .entry-wrapper -->\n\t<\/article>\n\n\t\t\t\t<\/div>\n\t\t\n\t<\/div>\n\t\n\n\n<p>According to a 2025 <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/states\/\">Bankrate report<\/a>, Oklahomans pay $4,651 to insure a $300K home, a figure that is more than double the national average but in line with the state\u2019s tornado alley neighbors.<\/p>\n\n\n\n<p>A 2025 <a href=\"https:\/\/www.lendingtree.com\/insurance\/income-home-insurance-study\/\">Lendingtree report<\/a> paints a different picture. Based on household income, the study found that Americans nationwide spent an average of 2.41% of their 2024 annual income on homeowners\u2019 insurance. At 6.84%, Oklahoma topped the list by a wide margin, nearly three times the national average.<\/p>\n\n\n\n<p>Neighboring states lagged well behind: Arkansas, 4.39%; Texas, 4.62%; and Kansas, 5.58%.<\/p>\n\n\n\n<p>Still another rubric from the March 16 Wall Street Journal<em> <\/em>article, \u201cIn America\u2019s Insurance Crisis, Hail Hits Harder than Hurricanes and Fires,\u201d found that Oklahoma had a higher rate of insurers refusing to renew 2023 policies than any other landlocked state in the country. From start to finish, the story relied on Mulready to argue that hail explained Oklahoma\u2019s insurance crisis, but remained silent on why rates of non-renewal in southeast Oklahoma had risen to 4% or more while rates remained close to 1% in neighboring Texas counties, with only the Red River or a lonely highway in between.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXeooAWdYFsFexPaUpn9JLe4r3BdpjL4DjuduGJfl5lX87NXc_OJLOHI0NX6ToXG2Pswvl-mVLM9eiPV9JTfpifLWLNmZdIOx9AA_L4DpaQ6vWzWwz1P-pdtN-PZTGOrxP5bYjvneXAcjrNYr9Zbvbk?key=a6UbdMNpM5v53tC348qvJ2K9\" alt=\"\"><figcaption class=\"wp-element-caption\">This graphic, published by The Wall Street Journal, shows their reporter\u2019s conclusions about what\u2019s driving rates and nonrenewals.<\/figcaption><\/figure>\n<\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<p>In fact, the Journal mischaracterized the Senate Budget Committee staff report upon which its analysis was based. The Journal overstated the report\u2019s claims on the role of hail in nonrenewal rates and understated the changes in rates and nonrenewals in much of rural Oklahoma.<\/p>\n\n\n\n<p>Mulready subsequently indicated that his source for hail data was an analysis provided by an insurance brokerage firm, and questioned the committee report.<\/p>\n\n\n\n<p>\u201cI would refute that source,\u201d Mulready said. \u201cI don\u2019t think the data that the Senate Budget Committee received would be statistically valid. There should be an asterisk there.\u201d<\/p>\n\n\n\n<p><strong>Something Seems Rotten in Oklahoma<\/strong><\/p>\n\n\n\n<p>It\u2019s hard to find data that supports the claim that hail explains why Oklahoma would wind up with rates higher than Texas or Kansas.<\/p>\n\n\n\n<p>The National Oceanic and Atmospheric Administration does not measure hail as a distinct weather factor, and the organization\u2019s data on severe weather events from 1980-2024 do not suggest a significant difference in conditions between Oklahoma and its neighbors to the west, north, and south.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXedD5bE-SBs8c1lhIsHzuBgp9RpvPxnWKUCZPx3NPC6oBWvxRmVoCMfakh8qjjVxSk4Ws1rpMmcABD2NQC_r1EAR0mau3qSEIMZfK-G2VbLeHT4NKMH5Gv7caXSMzA3EzxS0He4n6nH2QN58KRQPx0?key=a6UbdMNpM5v53tC348qvJ2K9\" alt=\"\"><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXfijKXRHIi9_oJTKnzSfxJAtHB39gYQRy-1qOiuSHuQZFOyjnNYO1Lp_WESwq6e68ffx-qt5z-GdzQ3k1kHJhk8BLO8gB6ehza8iEyVRaMPvgerrdxg9McAoSZCPTZKVdXrluqajA4oxAUcAKVXEHs?key=a6UbdMNpM5v53tC348qvJ2K9\" alt=\"\"><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXf5QxLAE6tuYhKURsM1ky32DRVV2yPwrr8bWc1EmmsvlNVKyaLzGiHUUDcBqXmXBpHbf8XDmpUwQvHkNdoH7VAd26isA49xXYxbcmNTOrSicJhCjzGcRaKZRMzTSbuFONxXz4GnRwiPK1ELhQ1qdQ?key=a6UbdMNpM5v53tC348qvJ2K9\" alt=\"\"><\/figure>\n\n\n\n<p>Bruce Thoren, a meteorologist with the National Weather Service Forecast Center in Norman, which monitors events in dozens of counties in western Oklahoma and north Texas, recalled significant damage from a hailstorm in 2023. But Thoren was unaware of any data that indicated a broader uptick of hail incidents peculiar to the state.\u00a0<\/p>\n\n\n\n<p>Thoren said that hail could be used as a scapegoat to justify high rates.<\/p>\n\n\n\n<p>\u201cThey might just say, \u2018Oh, I don\u2019t know, it\u2019s hail,\u2019 just so people stop asking questions,\u201d Thoren said.<\/p>\n\n\n\n<p>Clifton Naife, a Norman insurance attorney, lamented that homeowners could do little to contest rates that were the result of accounting shenanigans.<\/p>\n\n\n\n<p>\u201cThat\u2019s right,\u201d Naifeh said, speaking hypothetically. \u201cIf they want to raise your rates, and they want to use a ruse to raise your rates, then what\u2019s your remedy?\u201d<\/p>\n\n\n\n<p><strong>Insurance is Weird<\/strong><\/p>\n\n\n\n<p>Homeowners\u2019 insurance in Oklahoma is strange \u2014 suspiciously so \u2014 but Tulsa insurance attorney Frank Frasier said the entire history of insurance is peculiar.<\/p>\n\n\n\n<p>\u201cInsurance is an industry unlike any other,\u201d Frasier said.<\/p>\n\n\n\n<p>As far back as 1868, insurance was not classified as commerce, which meant it was local and outside the ability of the federal government to regulate, according to a 1987 Journal of Legislation article by Jeffrey L. Shrader.<\/p>\n\n\n\n<p>In 1944, a Supreme Court case,<em> <\/em>McCarren v. Ferguson, reversed decades of precedent and established that insurance was commerce after all. In response, states modeled laws on legislation proposed by the National Association of Insurance Commissioners to enable regulation and taxation of the insurance industry.<\/p>\n\n\n\n<p>The industry received a degree of antitrust protection, similar to that granted to Major League Baseball, but President Franklin D. Roosevelt offered assurance that the goal was regulation.<\/p>\n\n\n\n<p>\u201cCongress did not permit private rate fixing, which the Antitrust Act forbids, but was willing to permit actual regulation of rates by affirmative actions of the states,\u201d Roosevelt said.<\/p>\n\n\n\n<p>It didn\u2019t quite work out that way.<\/p>\n\n\n\n<p>State laws fell to either side of a pitched roof. The two options go by a variety of names or descriptions, and subtle differences separate state from state, but it is broadly the case that some states regulate heavily while others attempt to encourage competition by regulating as little as possible.<\/p>\n\n\n\n<p>The Oklahoma Insurance Department will regulate rates if they go too low. But it will not regulate rates if they go up, on the assumption that the free market will bring costs down.<\/p>\n\n\n\n<p>By way of contrast, Texas law stipulates that rates shall be neither inadequate nor excessive.<\/p>\n\n\n\n<p>To many of the attorneys consulted for this story, the actions of the OID tend to come off as political, if not shifty. The OID commissioner is an elected official; insurance companies pay lobbyists handsomely to make their desires known behind closed doors.<\/p>\n\n\n\n<p>\u201cI don\u2019t want to say that I don\u2019t talk to lobbyists, but I don\u2019t talk to lobbyists,\u201d Mulready said. \u201cI\u2019m not at the Capitol with lobbyists. I don\u2019t have regular meetings with lobbyists.\u201d<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>\u201cThe insurance commissioners would work with the legislators on behalf of consumers. I\u2019m not sure that\u2019s happening now.\u201d<\/p><cite>Rex Travis<\/cite><\/blockquote><\/figure>\n\n\n\n<p>Mulready may not meet with lobbyists, but the insurance industry has been his greatest financial supporter. <a href=\"https:\/\/www.opensecrets.org\/officeholders\/glen-mulready\/summary?cycle=2022&amp;id=6692231\">Campaign reports<\/a> from 2011-2023 compiled by Open Secrets show that the insurance industry was Mulready\u2019s top donor in 13 of 15 years, both as a House of Representatives candidate and when running for insurance commissioner. In campaign years, the insurance industry outspent the next closest group, attorneys, by a wide margin, as much as four to one.\u00a0<\/p>\n\n\n\n<p>Decades ago, Shrader warned that the insurance industry already resembled a criminal enterprise.<\/p>\n\n\n\n<p>\u201cCritics argue that the insurance industry today uses private ratings bureaus and displays cartel-like behavior, contrary to congressional intent,\u201d Shrader wrote.<\/p>\n\n\n\n<p><strong>Commercial or Not Commercial<\/strong><\/p>\n\n\n\n<p>In 1999, as he remembered it, then-state senator Kevin Easley \u2014 once one of youngest legislators in Oklahoma history, now CEO of New Dominion LLC, a Tulsa-based oil and gas company \u2014 was approached with a request bill direct from Carroll Fisher, then the insurance commissioner, who in a few years\u2019 time would be impeached, resign, and be convicted of felony embezzlement.<\/p>\n\n\n\n<p>Fisher needed more competition in the business insurance market, Easley said.<\/p>\n\n\n\n<p>The bill had an unruly name: The Commercial Property and Casualty Competitive Loss Cost Rating Act.<\/p>\n\n\n\n<p>It wasn\u2019t Easley\u2019s area of expertise. But he agreed to shepherd the bill through the Senate while Rep. Tommy Thomas moved it through the House. Thomas did have expertise; he later ran an insurance company and became a lobbyist.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"504\" height=\"600\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98.jpeg?resize=504%2C600&amp;ssl=1\" alt=\"\" class=\"wp-image-746849\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98-scaled.jpeg?resize=504%2C600&amp;ssl=1 504w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98-scaled.jpeg?resize=252%2C300&amp;ssl=1 252w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98-scaled.jpeg?resize=768%2C914&amp;ssl=1 768w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98-scaled.jpeg?resize=1291%2C1536&amp;ssl=1 1291w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98-scaled.jpeg?resize=1722%2C2048&amp;ssl=1 1722w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98-scaled.jpeg?resize=1200%2C1427&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98-scaled.jpeg?resize=861%2C1024&amp;ssl=1 861w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98-scaled.jpeg?resize=2000%2C2379&amp;ssl=1 2000w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98-scaled.jpeg?resize=780%2C928&amp;ssl=1 780w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98-scaled.jpeg?resize=400%2C476&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98-scaled.jpeg?resize=706%2C840&amp;ssl=1 706w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600848-9e755b98-504x600.jpeg?w=370&amp;ssl=1 370w\" sizes=\"auto, (max-width: 504px) 100vw, 504px\"><figcaption class=\"wp-element-caption\">Farmers Agent Andrew Brown takes note of hail damage to the home of Debbie and Mike McKaughan in Moore, OK, Tuesday, May 18, 2010. (Paul Hellstern\/The Oklahoman)<\/figcaption><\/figure>\n<\/div>\n\n\n<p>Nevertheless, Thomas claimed to have no recollection of the bill.<\/p>\n\n\n\n<p>\u201cDude, it was 26 years ago \u2014 I\u2019m sorry,\u201d he said.\u00a0<\/p>\n\n\n\n<p>The bill passed. Five years later, additional legislation removed the word commercial, and homeowners\u2019 insurance was thrown into the mix.<\/p>\n\n\n\n<p>The bill\u2019s remaining language now forms sections 981-989 of Title 36. Section 984 describes the process by which a competitive market can be contested; if the market is found to be non-competitive, high rates can be regulated.<\/p>\n\n\n\n<p>In other words, someone has to complain before the OID can compel lower rates.\u00a0<\/p>\n\n\n\n<p>The effort to complain \u2014 to challenge whether the market is competitive \u2014 is supposed to begin with an outside party requesting a hearing.<\/p>\n\n\n\n<p>\u201cThe burden of proof in any hearing shall be placed on the party or parties advocating the position that competition does not exist,\u201d Section 984 reads.<\/p>\n\n\n\n<p>Notably, none of the insurance attorneys consulted for this story were aware of any challenge to the competitive homeowners\u2019 insurance market having been mounted by an outside party.<\/p>\n\n\n\n<p>\u201cNot to my knowledge,\u201d Frasier said. \u201cIt\u2019s laughable.\u201d<\/p>\n\n\n\n<p>Even Oklahoma City insurance attorney Rex Travis, who has worked in insurance law in the state for more than 60 years, could not recall any instance of Section 984 being invoked.<\/p>\n\n\n\n<p>\u201cAbsolutely not,\u201d Travis said. \u201cThat series of sections never appeared on my radar.\u201d<\/p>\n\n\n\n<p><strong>Regulate by Not Regulating<\/strong><\/p>\n\n\n\n<p>A persistent refrain from insurance attorneys consulted for this story was that the OID did not do enough to protect consumers.<\/p>\n\n\n\n<p>Mulready disagreed.<\/p>\n\n\n\n<p>\u201cOur number one priority at the Oklahoma Insurance Department is consumer protection,\u201d Mulready said. \u201cState-based regulation \u2014 that\u2019s our role, consumer protection. We try to help maintain a connected free market that gives choice.\u201d<\/p>\n\n\n\n<p>A written statement from the OID said that there are 113 insurance companies with active homeowners\u2019 insurance policies in Oklahoma and approximately 60 insurers actively writing business in a very competitive market.<\/p>\n\n\n\n<p>The statement also said that Section 984 had been invoked once, in 2016, when then-commissioner John Doak called for a hearing on earthquake insurance.<\/p>\n\n\n\n<p>At the hearing, Doak ruled there was no competitive market.<\/p>\n\n\n\n<p>In other words, in the single instance in which a competitive market was challenged, the insurance commissioner was both the plaintiff and the judge.<\/p>\n\n\n\n<p><strong>The System Might Not Be Working<\/strong><\/p>\n\n\n\n<p>Travis was unequivocal: Oklahoma\u2019s abnormally high homeowners\u2019 insurance rates could be attributed to laws designed to regulate by not regulating.<\/p>\n\n\n\n<p>\u201cOh, no question,\u201d Travis said. \u201cI think that\u2019s true.\u201d<\/p>\n\n\n\n<p>Former senator Easley said that when the law he championed was originally passed, things were different.<\/p>\n\n\n\n<p>\u201cThe insurance commissioners would work with the legislators on behalf of consumers,\u201d he said. \u201cI\u2019m not sure that\u2019s happening now.\u201d<\/p>\n\n\n\n<p>Today, Easley owns homes in Norman, Chelsea and Broken Arrow. He recalled a hailstorm from eight years ago, but hadn\u2019t seen much hail since then.<\/p>\n\n\n\n<p>Mulready stuck to his guns. He said he recalled weather reports that showed Oklahoma had, for at least a decade, endured 10 to 20 days of hail measuring two inches in diameter or more.<\/p>\n\n\n\n<p>\u201cAll I\u2019m saying is that that is a measure that is taken nationwide and in the states, and Oklahoma is right up there in the top couple states in that measurement, and that measure, 2-inch hail, comes with some pretty serious damage, and that\u2019s where insurance claims stem from,\u201d Mulready said.<\/p>\n\n\n\n<p>Mulready subsequently supplied the data he recalled, which came from a slide presentation delivered in February at the annual meeting of American Farmers &amp; Ranchers, by a representative of Gallagher Re, a full-service global reinsurance brokerage firm.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXcyETAKaP7sP7yyIef6yWB1tmtLm7FagnjkVfVf75mL85ulqOMqSNyA4Rn2fVNl1v-0aasvxxghptcM-vCac14MCsU8ZrgIzlnPVaSdU60Fo7dqdVNcQfYBa6xaIdEE4mSV1KhdnWkB-xXKZS8a93Q?key=a6UbdMNpM5v53tC348qvJ2K9\" alt=\"\"><\/figure>\n\n\n\n<p>The presentation, derived from National Weather Service reports, did not suggest that hail in Oklahoma was more severe than in surrounding states. Averaging 16.6 days of 2-inch hail from 2020-2024, Oklahoma trailed significantly behind states that have more hail but pay lower insurance rates, according to the Lendingtree report.<\/p>\n\n\n\n<p>At 37.8 days, Texas received more than double the hail Oklahoma had. Kansas averaged 21.4 days; Nebraska, 22.6 days.\u00a0<\/p>\n\n\n\n<p>Beyond fanciful hail claims, Easley was more concerned that the law he originally helped pass had been misapplied.<\/p>\n\n\n\n<p>\u201cThis legislation was never intended to apply to homeowners,\u201d he said. \u201cIf it\u2019s been used in any fashion to enable these excessive homeowners\u2019 insurance rates, then the commissioner should be going to the Legislature to say, \u2018this is what we need to control these rates.\u2019\u201d<\/p>\n\n\n\n<p>Easley did not mask his indignation.<\/p>\n\n\n\n<p>\u201cIf they changed a law that was meant to apply to business, and was never meant to apply to homeowners\u2019 insurance, then they can damn sure change it back, can\u2019t they?\u201d Easley said.<\/p>\n\n\n\n<p>Oklahoma City insurance attorney Simone Fulmer sighed audibly and did not deny that there was nothing in Oklahoma law to prevent big insurance companies from raising rates to cover losses incurred in other states.<\/p>\n\n\n\n<p>\u201cThey\u2019re not supposed to do that,\u201d Fulmer said.<\/p>\n\n\n\n<p>Fulmer was not without hope, however.<\/p>\n\n\n\n<p>She remembered when Commissioner Doak called for a hearing on earthquake insurance. That effort started from the ground up, with consumers contacting the OID to complain. It began not with attorneys, but with regular people who were fed up that prices had climbed too high.<\/p>\n\n\n\n<p><em>The OID can be reached at its Oklahoma City and Tulsa offices, at 405-521-2828 and 918-295-3700, respectively. The department can be messaged <a href=\"https:\/\/www.oid.ok.gov\/contact-us\/\">here.<\/a><\/em><\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\" style=\"padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?resize=600%2C600&amp;ssl=1\" alt=\"\" class=\"wp-image-747889\" style=\"object-fit:cover;width:160px;height:auto\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?w=600&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?resize=140%2C140&amp;ssl=1 140w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?w=370&amp;ssl=1 370w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\"><\/figure>\n<\/div>\n\n\n<p><em>JC Hallman covers a variety of topics for Oklahoma Watch. Contact him at <a href=\"mailto:jchallman@oklahomawatch.org\">jchallman@oklahomawatch.org<\/a>.<\/em><\/p>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"padding-right:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-56a9e311 wp-block-group-is-layout-constrained\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\t<div class=\"wp-block-newspack-blocks-homepage-articles  wpnbha is-grid columns-3 colgap-3 show-image image-aligntop ts-4 is-3 is-landscape \" style=\"\">\n\t\t<div data-posts data-current-post-id=\"749326\">\n\t\t\t\t\t\t\t<h2 class=\"article-section-title\">\n\t\t\t\t\t<span>MORE FROM JC HALLMAN<\/span>\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t\n\t<article data-post-id=\"754167\" class=\"tag-amy-palumbo tag-attorney-general-mike-hunter tag-gentner-drummond tag-homeowners-insurance tag-insurance tag-oklahoma-insurance-commissioner-glen-mulready tag-oklahoma-news tag-state-farm category-business series-hail-no-why-homeowners-insurance-is-so-expensive type-post post-has-image\">\n\t\t\t\t\t\t\t<figure class=\"post-thumbnail\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/2025\/12\/31\/judge-allows-attorney-general-to-intervene-in-state-farm-hail-lawsuit\/\" rel=\"bookmark\" tabindex=\"-1\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=1200%2C900&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-large size-newspack-article-block-landscape-large wp-post-image\" alt=\"Judge Allows Attorney General to Intervene in State Farm Hail Lawsuit\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?zoom=2&amp;resize=1200%2C900&amp;ssl=1 2400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=1200%2C900&amp;ssl=1&amp;w=370 370w\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\">\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/figure><!-- .featured-image -->\n\t\t\n\t\t<div class=\"entry-wrapper\">\n\t\t\t\t\t\t<h3 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2025\/12\/31\/judge-allows-attorney-general-to-intervene-in-state-farm-hail-lawsuit\/\" rel=\"bookmark\">Judge Allows Attorney General to Intervene in State Farm Hail Lawsuit<\/a><\/h3>\t\t\t\t\t\t<p>Emotions flared and patience was tested as Oklahoma County District Court Judge Amy Palumbo granted Attorney General Gentner Drummond\u2019s effort to intervene in a State Farm hail case that has raised ire in Oklahoma.<\/p>\n\t\t\t\t<div class=\"entry-meta\">\n\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/author\/jchallman\/\"><img data-recalc-dims=\"1\" alt=\"Avatar photo\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/cropped-Hallman.jpg?resize=48%2C48&amp;ssl=1\" srcset=\"https:\/\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/cropped-Hallman-96x96.jpg 2x\" class=\"avatar avatar-48 photo\" height=\"48\" width=\"48\"><\/a>\t\t\t\t\t\t<span class=\"byline\">\n\t\t\t\t\t\t\t<span class=\"author-prefix\">by<\/span> <span class=\"author vcard\"><a class=\"url fn n\" href=\"https:\/\/oklahomawatch.org\/author\/jchallman\/\">J.C. Hallman<\/a><\/span>\t\t\t\t\t\t<\/span><!-- .author-name -->\n\t\t\t\t\t\t\t\t\t\t<\/div><!-- .entry-meta -->\n\t\t\t\t\t\t\t\t<\/div><!-- .entry-wrapper -->\n\t<\/article>\n\n\t\t\n\t<article data-post-id=\"754029\" class=\"tag-billy-hursh tag-elections tag-gentner-drummond tag-homeowners tag-insurance tag-oklahoma-insurance-commissioner-glen-mulready tag-oklahoma-news tag-racketeering tag-rep-mark-tedford tag-sen-aaron-reinhardt tag-sen-julia-kirt tag-state-farm tag-state-rep-andy-fugate category-politics category-uncategorized type-post post-has-image\">\n\t\t\t\t\t\t\t<figure class=\"post-thumbnail\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/2025\/12\/26\/too-little-too-late-too-weak-critics-react-to-proposed-insurance-legislation\/\" rel=\"bookmark\" tabindex=\"-1\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=1200%2C900&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-large size-newspack-article-block-landscape-large wp-post-image\" alt=\"Too Little, Too Late, Too Weak: Critics React to Proposed Insurance Legislation\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?zoom=2&amp;resize=1200%2C900&amp;ssl=1 2400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=1200%2C900&amp;ssl=1&amp;w=370 370w\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\">\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/figure><!-- .featured-image -->\n\t\t\n\t\t<div class=\"entry-wrapper\">\n\t\t\t\t\t\t<h3 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2025\/12\/26\/too-little-too-late-too-weak-critics-react-to-proposed-insurance-legislation\/\" rel=\"bookmark\">Too Little, Too Late, Too Weak: Critics React to Proposed Insurance Legislation<\/a><\/h3>\t\t\t\t\t\t<p>Critics say new laws proposed by the insurance department ignore pervasive and sustained outrage over skyrocketing homeowners rates and would make it more difficult for policyholders to fight back.<\/p>\n\t\t\t\t<div class=\"entry-meta\">\n\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/author\/jchallman\/\"><img data-recalc-dims=\"1\" alt=\"Avatar photo\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/cropped-Hallman.jpg?resize=48%2C48&amp;ssl=1\" srcset=\"https:\/\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/cropped-Hallman-96x96.jpg 2x\" class=\"avatar avatar-48 photo\" height=\"48\" width=\"48\"><\/a>\t\t\t\t\t\t<span class=\"byline\">\n\t\t\t\t\t\t\t<span class=\"author-prefix\">by<\/span> <span class=\"author vcard\"><a class=\"url fn n\" href=\"https:\/\/oklahomawatch.org\/author\/jchallman\/\">J.C. Hallman<\/a><\/span>\t\t\t\t\t\t<\/span><!-- .author-name -->\n\t\t\t\t\t\t\t\t\t\t<\/div><!-- .entry-meta -->\n\t\t\t\t\t\t\t\t<\/div><!-- .entry-wrapper -->\n\t<\/article>\n\n\t\t\n\t<article data-post-id=\"753918\" class=\"tag-attorney-general tag-class-action-lawsuit tag-consumer-protection tag-corporate-accountability tag-corporate-misconduct tag-gentner-drummond tag-hail-damage tag-hurricane-katrina tag-insurance-claims tag-insurance-industry tag-insurance-litigation tag-legal-settlement tag-mckinsey-report tag-oklahoma tag-oklahoma-news tag-policyholder-rights tag-racketeering tag-rico tag-state-farm tag-wind-damage category-business series-hail-no-why-homeowners-insurance-is-so-expensive type-post post-has-image\">\n\t\t\t\t\t\t\t<figure class=\"post-thumbnail\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/2025\/12\/18\/state-farm-dodged-billions-in-2018-settlement-now-faces-fresh-rico-charges-in-oklahoma\/\" rel=\"bookmark\" tabindex=\"-1\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=1200%2C900&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-large size-newspack-article-block-landscape-large wp-post-image\" alt=\"State Farm Dodged Billions in 2018 Settlement, Now Faces Fresh RICO Charges in Oklahoma\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=1200%2C900&amp;ssl=1&amp;w=370 370w\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\">\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/figure><!-- .featured-image -->\n\t\t\n\t\t<div class=\"entry-wrapper\">\n\t\t\t\t\t\t<h3 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2025\/12\/18\/state-farm-dodged-billions-in-2018-settlement-now-faces-fresh-rico-charges-in-oklahoma\/\" rel=\"bookmark\">State Farm Dodged Billions in 2018 Settlement, Now Faces Fresh RICO Charges in Oklahoma<\/a><\/h3>\t\t\t\t\t\t<p>Attorney General Gentner Drummond\u2019s petition charging State Farm with racketeering under Oklahoma\u2019s version of the RICO laws is not the first time that Oklahoma\u2019s largest writer of homeowners insurance has been accused of being a criminal enterprise. Last time, State Farm agreed to pay $250 million; will they settle once again?<\/p>\n\t\t\t\t<div class=\"entry-meta\">\n\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/author\/jchallman\/\"><img data-recalc-dims=\"1\" alt=\"Avatar photo\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/cropped-Hallman.jpg?resize=48%2C48&amp;ssl=1\" srcset=\"https:\/\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/cropped-Hallman-96x96.jpg 2x\" class=\"avatar avatar-48 photo\" height=\"48\" width=\"48\"><\/a>\t\t\t\t\t\t<span class=\"byline\">\n\t\t\t\t\t\t\t<span class=\"author-prefix\">by<\/span> <span class=\"author vcard\"><a class=\"url fn n\" href=\"https:\/\/oklahomawatch.org\/author\/jchallman\/\">J.C. Hallman<\/a><\/span>\t\t\t\t\t\t<\/span><!-- .author-name -->\n\t\t\t\t\t\t\t\t\t\t<\/div><!-- .entry-meta -->\n\t\t\t\t\t\t\t\t<\/div><!-- .entry-wrapper -->\n\t<\/article>\n\n\t\t\t\t<\/div>\n\t\t\n\t<\/div>\n\t","protected":false},"excerpt":{"rendered":"<p>Media accounts parrot the Oklahoma Insurance Department\u2019s claim that the state\u2019s extraordinarily high homeowners\u2019 insurance rates are attributable to hail damage. But the data doesn\u2019t support that explanation.<\/p>\n","protected":false},"author":2628589,"featured_media":746845,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"gigafact_has_fact_brief":false,"gigafact_remote_fact_brief_post_id":0,"gigafact_remote_sync_timestamp":"","gigafact_remote_sync_status":"","gigafact_remote_sync_response":"","gigafact_has_been_published":false,"newspack_ads_suppress_ads":false,"newspack_popups_has_disabled_popups":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"everlit_article_id":"artl_XQlJkFBN68a","everlit_hide_embed":false,"everlit_embed_size":"","everlit_generation_settings":{"primary_voice":"45","guest_voice":"48","default_sonic_optimization":false,"default_conversation_mode":false,"default_read_alt_text":false,"default_read_urls":false,"default_publication":"pblc_lV8RK9ULW4x","intro_mixable":3,"outro_mixable":3,"intro_duration":15,"outro_duration":15,"intro_padding":3,"outro_padding":4,"default_skip_article_image":false,"disclaimer":"","disclaimer_voice":"","is_for_subscriber":false},"_everlit_article_id":"","_everlit_hide_embed":false,"_everlit_embed_size":"","_everlit_generation_settings":[],"_everlit_content_hash":"","_everlit_metadata_hash":"449554f50c42d3f64a986c20fc3fa6c0","_newspack_byline_active":false,"_newspack_byline":"","newspack_featured_image_position":"","newspack_post_subtitle":"","newspack_article_summary_title":"Overview:","newspack_article_summary":"","newspack_hide_updated_date":false,"newspack_show_updated_date":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[183,46],"tags":[20893,20891,21314,20414],"series":[21432],"coauthors":[20669],"class_list":["post-746844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-government","tag-glen-mulready","tag-hail","tag-impact-hail","tag-insurance","series-hail-no-why-homeowners-insurance-is-so-expensive","entry"],"fact_brief":null,"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hail No! Hail Storms Do Not Explain Oklahoma\u2019s Outrageous Homeowners\u2019 Insurance Rates - Oklahoma Watch<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oklahomawatch.org\/2025\/05\/15\/hail-no-hail-storms-do-not-explain-oklahomas-outrageous-homeowners-insurance-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hail No! Hail Storms Do Not Explain Oklahoma\u2019s Outrageous Homeowners\u2019 Insurance Rates - Oklahoma Watch\" \/>\n<meta property=\"og:description\" content=\"Media accounts parrot the Oklahoma Insurance Department\u2019s claim that the state\u2019s extraordinarily high homeowners\u2019 insurance rates are attributable to hail damage. 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