{"id":749326,"date":"2025-07-16T06:00:00","date_gmt":"2025-07-16T11:00:00","guid":{"rendered":"https:\/\/oklahomawatch.org\/?p=749326"},"modified":"2025-11-19T20:41:35","modified_gmt":"2025-11-20T02:41:35","slug":"oklahoma-has-nations-highest-average-homeowners-insurance-premiums","status":"publish","type":"post","link":"https:\/\/oklahomawatch.org\/2025\/07\/16\/oklahoma-has-nations-highest-average-homeowners-insurance-premiums\/","title":{"rendered":"Oklahoma Has Nation&#8217;s Highest Average Homeowners Insurance Premiums"},"content":{"rendered":"<div class=\"wp-block-custom-everlit-iframe-embed\"><iframe loading=\"lazy\" title=\"Everlit Audio Player\" src=\"https:\/\/everlit.audio\/embeds\/artl_XPvkGHRZZrQ?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>After Oklahoma Watch<a href=\"https:\/\/oklahomawatch.org\/2025\/05\/15\/hail-no-hail-storms-do-not-explain-oklahomas-outrageous-homeowners-insurance-rates\/\"> debunked<\/a> a claim that hail explained skyrocketing homeowners insurance rates, Oklahoma Insurance Department Commissioner Glen Mulready \u2014 who amplified the hail claims \u2014 backtracked in a statement published on the department\u2019s website entitled<a href=\"https:\/\/www.oid.ok.gov\/getready5_2025\/\"> \u201cIt\u2019s Not Just Hail: A Look Into Oklahoma Homeowners Rates.\u201d<\/a><\/p>\n\n\n\n<p>According to a June 9 <a href=\"https:\/\/www.lendingtree.com\/insurance\/state-of-home-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lending Tree report<\/a>, Oklahoma has the highest average homeowners insurance premium in the country at $6,133 per year, 2.2 times the national average of $2,801. Rates in Oklahoma have climbed 50.8% from 2019, the year Mulready took office, through 2024, rising faster than the national average of 40.4% the report said.<\/p>\n\n\n\n<p>Mulready explained that insurance rates are driven by a combination of factors beyond hail, and championed the work of the department on behalf of consumers.<\/p>\n\n\n\n<p>A new Oklahoma Watch investigation revealed some of these claims to be dubious.<\/p>\n\n\n\n<p><strong>A False Claim<\/strong><\/p>\n\n\n\n<p>Mulready said that the department fields complaints, enforces laws, and ensures that companies treat consumers fairly.<\/p>\n\n\n\n<p>\u201cWe take action to protect consumers when insurers act illegally or violate contracts,\u201d Mulready said.<\/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=\"744625\">\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, (min-width: 782px) 600px, (min-width: 600px) 42.5vw, 90vw\">\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>Mulready said that $12 million was returned to consumers in 2024 by the Consumer Assistance\/Claims Division of the OID. However, the Consumer Assistance\/Claims Division has no impact on homeowners rates as set by insurance companies.<\/p>\n\n\n\n<p>Mulready said that Oklahoma law prevents the OID from interfering on rates.<\/p>\n\n\n\n<p>\u201cOID has no statutory authority to set or approve homeowners rates except in certain, extraordinary circumstances,\u201d Mulready said.<\/p>\n\n\n\n<p>He went on to claim that 38 states follow a similar model.<\/p>\n\n\n\n<p>That is false.<\/p>\n\n\n\n<p>Mulready ignored the fact that Oklahoma\u2019s tornado alley neighbors, Texas and Kansas, which by various<a href=\"https:\/\/www.lendingtree.com\/insurance\/income-home-insurance-study\/\"> measures<\/a> enjoy lower homeowners insurance rates while suffering from weather conditions similar to or worse than Oklahoma, follow the same model but do in fact perform regulatory work to approve rates.<\/p>\n\n\n\n<p>The difference is the role of actuaries, the number crunchers of the insurance world.<\/p>\n\n\n\n<p><strong>The Last of the Actuaries<\/strong><\/p>\n\n\n\n<p>\u201cWhat I\u2019ve found is that most people have not heard of us,\u201d said Thomas Cummins, 83, who as far as he knows is the only independent actuary left in the state of Oklahoma.<\/p>\n\n\n\n<p>Originally from Duncan, Cummins studied math at Oklahoma State University, but had to go to the University of Iowa to study actuarial science, which he defined as the effort to measure the financial impact of certain occurrences on financial markets or people.<\/p>\n\n\n\n<p>Actuaries are financial statisticians, Cummins said. When they are employed by an insurance company, their role is to ensure that the company has enough money to cover claims on the policies they have written.<\/p>\n\n\n\n<p>Cummins said there are about 30,000 actuaries in the United States, but he was aware of only three in Oklahoma: an actuary who lives in Tulsa but does most of his work in California, another actuary who is employed by Blue Cross Blue Shield, and Cummins himself, in business since 1981 and the last independent actuary working in the state, as far as he knows.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<iframe title=\"\" aria-label=\"Table\" id=\"datawrapper-chart-Fx88Y\" src=\"https:\/\/datawrapper.dwcdn.net\/Fx88Y\/1\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"174\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}})}();\n<\/script>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<p>Kim Holland, who served as Oklahoma\u2019s insurance commissioner from 2005 to 2011, recalled that an actuary had been employed on the health side of the department during her tenure, but at that time there was no actuary on the property and casualty side, which included homeowners insurance.<\/p>\n\n\n\n<p>Today, OID does employ a chief actuary. According to OID\u2019s 2024 annual report, the chief actuary is Andy Schallhorn, who is also the deputy commissioner in charge of the financial division. Schallhorn\u2019s job is described as monitoring the financial solvency of insurance companies and working to ensure compliance with Oklahoma law.<\/p>\n\n\n\n<p>Oklahoma law is the problem.<\/p>\n\n\n\n<p><strong>The Devil in the Details<\/strong><\/p>\n\n\n\n<p>Mulready\u2019s claim that Oklahoma\u2019s insurance model matched that of 38 other states ignored significant state-to-state variety.<\/p>\n\n\n\n<p>\u201cAll states have different regulatory requirements and prerogatives that vary on the needs and dynamics of that particular state,\u201d Holland said.<\/p>\n\n\n\n<p>Rich Gibson of the American Academy of Actuaries said what Mulready likely meant was that 38 states operate on what\u2019s known as a file-and-use model.<\/p>\n\n\n\n<p>File-and-use means insurance companies file rate changes and put them into use immediately to charge customers; states that scrutinize rate filings before they are put into use are known as prior approval states.<\/p>\n\n\n\n<p>That\u2019s where it gets tricky, because there are significant differences that separate file-and-use states.<\/p>\n\n\n\n<p>In Texas and Kansas, when filings are put into use, actuaries immediately review them to ensure that rates are adequate (to protect insurance companies), not excessive (to protect consumers), or unfairly discriminatory.<\/p>\n\n\n\n<p>The critical difference: Oklahoma does not examine rates to protect consumers. In fact, Oklahoma law prevents the Insurance Department from protecting consumers by ensuring that rates are not excessive.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>\u201cOID has no statutory authority to set or approve homeowners rates except in certain, extraordinary circumstances.\u201d<\/p><cite>Glen Mulready<\/cite><\/blockquote><\/figure>\n\n\n\n<p>When Mulready said that Oklahoma may set or approve rates only in extraordinary circumstances, he was not citing a similarity between Oklahoma and other states; rather, he was referencing a significant distinction between Oklahoma and its file-and-use, tornado alley neighbors.<\/p>\n\n\n\n<p>Specifically, the automatic process of actuarial scrutiny in Texas and Kansas is applied to every rate filing. By way of contrast, Oklahoma can scrutinize rate filings only if the commissioner has previously found the market to be non-competitive.<\/p>\n\n\n\n<p>As Oklahoma Watch documented in its original investigation, the process for declaring a non-competitive market is legally murky and not widely understood; it\u2019s unclear whether the state\u2019s lone 2016 invocation of the non-competitive market statute was fully legal.<\/p>\n\n\n\n<p>Also unclear is the precise job of the chief actuary. The 2024 annual report made a brief reference to the chief actuary protecting consumers, but how the actuary can protect consumers when the law prevents scrutiny of excessive rates is an open question.<\/p>\n\n\n\n<p>In response to an interview request, Mulready cited dissatisfaction with Oklahoma Watch\u2019s original story. He indicated that he had instructed the public agency\u2019s staff to no longer engage with Oklahoma Watch.<\/p>\n\n\n\n<p>\u201cWe will not be participating in this story,\u201d Mulready said in an email.<\/p>\n\n\n\n<p><strong>Texas and Kansas Save Consumers Millions<\/strong><\/p>\n\n\n\n<p>The Texas Department of Insurance employs 18 actuaries to review rate filings, of whom 12 are dedicated to scrutinizing an annual average of 3,000 property and casualty filings, which include homeowners insurance.<\/p>\n\n\n\n<p>Texas Department of Insurance actuaries submit questions to insurance companies or request changes on approximately 75% of filings; 10% of filings are withdrawn or rejected.<\/p>\n\n\n\n<p>Since 2021, actuarial review of filings has saved Texas consumers $131.7 million, a TDI spokesman said in a written statement.<\/p>\n\n\n\n<p>The Kansas Insurance Department employs a Chief of Actuarial Services and utilizes a pool of consulting actuaries to evaluate hundreds of property and casualty rate filings annually, said KID Deputy Chief of Staff Kyle Strathman.<\/p>\n\n\n\n<p>Filings are evaluated for rate reasonableness, to ensure that rates are not excessive, inadequate or unfairly discriminatory.<\/p>\n\n\n\n<p>\u201cIf a filing is found to be out of compliance, the carrier is required to make an adjustment to the filing,\u201d Strathman said, while declining to provide a precise dollar estimate on what the rate review process saves consumers each year.<\/p>\n\n\n\n<p><strong>It\u2019s not Just Homeowners Insurance<\/strong><\/p>\n\n\n\n<p>Rather than encouraging competition by advising consumers to discriminate and shop among insurance companies, an I-44 billboard featuring Commissioner Mulready\u2019s face alongside images of severe weather incidents sends a dire message: you can\u2019t fight higher rates, so batten down the hatches and ride out the storm.<\/p>\n\n\n\n<p>The problem of rising property insurance rates extends beyond homeowners insurance.<\/p>\n\n\n\n<p>Sherie Donahay, president of the Bradbury Corner Homeowners\u2019 Association in Edmond, reached out to OID to complain when the association\u2019s rates skyrocketed despite the fact that Bradbury Corner had few assets to insure.<\/p>\n\n\n\n<p>\u201cI know the policy had doubled since 2023,\u201d Donahay said, adding that she was aware of rate increases at other HOAs as well.<\/p>\n\n\n\n<p>Donahay expressed her concern to OID that Bradbury Corner was being used to cover costs in other states where there were huge homeowners associations.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>\u201cI continue to see record profits on Wall Street by insurance companies.\u201d<\/p><cite>Keith Easley<\/cite><\/blockquote><\/figure>\n\n\n\n<p>In 2023, Sasakwa Public Schools Superintendent Kyle Wilson was featured in a<a href=\"https:\/\/kfor.com\/news\/local\/rural-school-claims-insurance-premiums-doubled-without-explanation\/\"> story<\/a> about rapidly rising property insurance rates for schools; Wilson fretted over whether out-of-control rate hikes would affect his ability to hire much-needed teachers.<\/p>\n\n\n\n<p>Since then, Wilson said, rates had continued to rise for Sasakwa Public Schools; the anticipated 2026 rate of $151,000 was more than three times the 2020 rate of $45,000.<\/p>\n\n\n\n<p><strong>Insurance Companies Review Themselves, Actually<\/strong><\/p>\n\n\n\n<p>Oklahoma law does require insurance companies to submit an annual statement of actuarial opinion; however, the statement, by law, is authored by the company\u2019s own appointed actuary.<\/p>\n\n\n\n<p>In Oklahoma, insurance companies review themselves, actually.<\/p>\n\n\n\n<p>Former commissioner Holland noted that during her tenure OID worked to clean up old regulations, and interacted with lawmakers constantly to suggest legislative changes.<\/p>\n\n\n\n<p>Holland recalled that she had support from both political parties during her time in office. It helped that she had worked in insurance her whole career; she wasn\u2019t hostile to the industry, but continued to believe that oversight was necessary.<\/p>\n\n\n\n<p>\u201cDo I think they need to be held accountable?\u201d Holland said. \u201cI did then, and I do now.\u201d<\/p>\n\n\n\n<p>In Oklahoma Watch\u2019s original investigation, former legislator Kevin Easley, who championed a law that was later warped into the statutes that now govern homeowners insurance, spoke passionately about the changes to the legislation he had helped pass.<\/p>\n\n\n\n<p>\u201cThey can damn sure change it back, can\u2019t they?\u201d Easley said at the time.<\/p>\n\n\n\n<p>Now an oil and gas executive, Easley seconded Holland\u2019s nostalgia for a time when agency heads worked closely with lawmakers to make problem-solving recommendations.<\/p>\n\n\n\n<p>Easley was unimpressed with Mulready\u2019s description of Oklahoma\u2019s insurance model. Regardless of whether the model was similar to other states, Easley doubted whether 38 states were having the same kinds of problems Oklahoma is having.<\/p>\n\n\n\n<p>\u201cI continue to see record profits on Wall Street by insurance companies,\u201d Easley said. \u201cIf the model in Oklahoma does not provide the authority to get involved in setting rates that are market-based, then maybe Mulready needs to be recommending to the legislature that the model be changed. If the model isn\u2019t working, we should be changing the model.\u201d<\/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. 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