{"id":752028,"date":"2025-10-17T10:39:09","date_gmt":"2025-10-17T15:39:09","guid":{"rendered":"https:\/\/oklahomawatch.org\/?page_id=752028"},"modified":"2025-10-17T13:54:50","modified_gmt":"2025-10-17T18:54:50","slug":"influence-hail-storms-do-not-explain-oklahomas-outrageous-homeowners-insurance-rates","status":"publish","type":"page","link":"https:\/\/oklahomawatch.org\/influence-hail-storms-do-not-explain-oklahomas-outrageous-homeowners-insurance-rates\/","title":{"rendered":"INFLUENCE: Hail Storms Do Not Explain Oklahoma\u2019s Outrageous Homeowners\u2019 Insurance Rates"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1350\" height=\"450\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/Copy-of-Copy-of-Impact-OSDE-Bids-2.png?resize=1350%2C450&#038;ssl=1\" alt=\"\" class=\"wp-image-752029\" style=\"width:810px;height:auto\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/Copy-of-Copy-of-Impact-OSDE-Bids-2.png?w=1350&amp;ssl=1 1350w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/Copy-of-Copy-of-Impact-OSDE-Bids-2.png?resize=300%2C100&amp;ssl=1 300w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/Copy-of-Copy-of-Impact-OSDE-Bids-2.png?resize=600%2C200&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/Copy-of-Copy-of-Impact-OSDE-Bids-2.png?resize=768%2C256&amp;ssl=1 768w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/Copy-of-Copy-of-Impact-OSDE-Bids-2.png?resize=1200%2C400&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/Copy-of-Copy-of-Impact-OSDE-Bids-2.png?resize=1024%2C341&amp;ssl=1 1024w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/Copy-of-Copy-of-Impact-OSDE-Bids-2.png?resize=780%2C260&amp;ssl=1 780w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/Copy-of-Copy-of-Impact-OSDE-Bids-2.png?resize=400%2C133&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/Copy-of-Copy-of-Impact-OSDE-Bids-2.png?resize=706%2C235&amp;ssl=1 706w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/Copy-of-Copy-of-Impact-OSDE-Bids-2.png?w=370&amp;ssl=1 370w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p>J.C. Hallman\u2019s reporting exposed the truth behind Oklahoma\u2019s soaring homeowners&#8217; insurance costs, revealing that hail and storms aren\u2019t the real culprits. His investigations revealed that weak oversight, lenient regulations, and industry-friendly policies have enabled insurers to raise rates to the nation\u2019s highest levels, resulting in thousands of dollars more for Oklahomans each year.<\/p>\n\n\n\n<p>Through continued coverage, Hallman illuminated how Oklahoma\u2019s file-and-use system leaves consumers unprotected, compared it to stronger safeguards in other states, and held public officials accountable for inaction. His reporting prompted renewed scrutiny from state leaders, including public pressure from the attorney general and interim studies in both the House and Senate, pushing for reforms that could finally bring fairness and transparency to homeowners&#8217; insurance in Oklahoma.<\/p>\n\n\n\t<div\n\t\tclass=\"wp-block-newspack-blocks-homepage-articles  wpnbha show-image image-alignleft ts-2 is-2 is-landscape \"\n\t\tstyle=\"\"\n\t\t>\n\t\t<div data-posts data-current-post-id=\"752028\">\n\t\t\t\t\t\t\n\t<article data-post-id=\"754033\"\n\t\tclass=\"tag-impact-hail tag-insurance category-fact-briefs series-fact-briefs type-post post-has-image\"\n\t\t\t\t>\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\/24\/are-oklahoma-home-insurance-rates-among-the-highest-in-the-nation\/\" 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=\"400\" height=\"300\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Fact-Briefs-for-web-600-x-450-px-5.png?resize=400%2C300&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-small size-newspack-article-block-landscape-small wp-post-image\" alt=\"Are Oklahoma home insurance rates among the highest in the nation?\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Fact-Briefs-for-web-600-x-450-px-5.png?w=400&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Fact-Briefs-for-web-600-x-450-px-5.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Fact-Briefs-for-web-600-x-450-px-5.png?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Fact-Briefs-for-web-600-x-450-px-5.png?resize=400%2C300&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<h2 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2025\/12\/24\/are-oklahoma-home-insurance-rates-among-the-highest-in-the-nation\/\" rel=\"bookmark\">Are Oklahoma home insurance rates among the highest in the nation?<\/a><\/h2>\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\/myimoklahomawatch-org\/\"><img data-recalc-dims=\"1\" alt='Avatar photo' src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/02\/cropped-Untitled-design-6.png?resize=48%2C48&#038;ssl=1\" srcset='https:\/\/oklahomawatch.org\/wp-content\/uploads\/2025\/02\/cropped-Untitled-design-6-96x96.png 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\/myimoklahomawatch-org\/\">Matthew Yim<\/a><\/span>\t\t\t\t\t\t<\/span><!-- .author-name -->\n\t\t\t\t\t\t<time class=\"entry-date published\" datetime=\"2025-12-24T10:00:00-06:00\">December 24, 2025<\/time><time class=\"updated\" datetime=\"2025-12-29T08:58:54-06:00\">December 29, 2025<\/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\n\t<article data-post-id=\"753114\"\n\t\tclass=\"tag-andy-fugate tag-competition tag-glen-mulready tag-homeowners-insurance tag-impact-hail tag-julia-kirt category-business series-hail-no-why-homeowners-insurance-is-so-expensive type-post post-has-image\"\n\t\t\t\t>\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\/11\/20\/lawmakers-ag-challenge-insurance-commissioners-competitive-market-claims\/\" 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\/11\/TED_3250-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=\"Lawmakers, AG Challenge Insurance Commissioner&#8217;s Competitive Market Claims\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/11\/TED_3250-scaled.jpg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/11\/TED_3250-scaled.jpg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/11\/TED_3250-scaled.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/11\/TED_3250-scaled.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/11\/TED_3250-scaled.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/11\/TED_3250-scaled.jpg?zoom=2&amp;resize=1200%2C900&amp;ssl=1 2400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/11\/TED_3250-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<h2 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2025\/11\/20\/lawmakers-ag-challenge-insurance-commissioners-competitive-market-claims\/\" rel=\"bookmark\">Lawmakers, AG Challenge Insurance Commissioner&#8217;s Competitive Market Claims<\/a><\/h2>\t\t\t\t\t\t<p>As officials bicker over Oklahoma\u2019s homeowners insurance market and lawmakers contemplate new legislation, Oklahoma Watch investigates measures of market concentration and digs into legal history to uncover why competition has\u2026<\/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&#038;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<time class=\"entry-date published\" datetime=\"2025-11-20T06:00:00-06:00\">November 20, 2025<\/time><time class=\"updated\" datetime=\"2025-11-20T09:45:46-06:00\">November 20, 2025<\/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\n\t<article data-post-id=\"751844\"\n\t\tclass=\"tag-genter-drummond tag-glen-mulready tag-homeowners-insurance tag-impact-hail category-politics series-hail-no-why-homeowners-insurance-is-so-expensive type-post post-has-image\"\n\t\t\t\t>\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\/10\/13\/drummond-takes-mulready-to-task-over-homeowners-rates\/\" 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\/10\/TED_3200-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=\"Drummond Takes Mulready to Task Over Homeowners Rates\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3200-scaled.jpg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3200-scaled.jpg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3200-scaled.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3200-scaled.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3200-scaled.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3200-scaled.jpg?zoom=2&amp;resize=1200%2C900&amp;ssl=1 2400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/10\/TED_3200-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<h2 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2025\/10\/13\/drummond-takes-mulready-to-task-over-homeowners-rates\/\" rel=\"bookmark\">Drummond Takes Mulready to Task Over Homeowners Rates<\/a><\/h2>\t\t\t\t\t\t<p>Attorney General Gentner Drummond sharply criticized Oklahoma Insurance Department Commissioner Glen Mulready in an Aug. 12 letter over stewardship of the state\u2019s only regulatory safeguard against out-of-control rate hikes.<\/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&#038;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<time class=\"entry-date published\" datetime=\"2025-10-13T06:00:00-05:00\">October 13, 2025<\/time><time class=\"updated\" datetime=\"2025-11-19T20:36:49-06:00\">November 19, 2025<\/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\n\t<article data-post-id=\"750448\"\n\t\tclass=\"tag-california-prop-103 tag-chris-meredith tag-consumer-federation-of-america tag-glen-mulready tag-impact-hail tag-international-center-for-law-and-economics tag-j-robert-hunter tag-julia-kirt tag-marty-quinn tag-national-association-of-insurance-commissioners tag-property-casualty-insurers-association-of-america tag-rob-bhatt category-business category-government category-politics series-hail-no-why-homeowners-insurance-is-so-expensive type-post post-has-image\"\n\t\t\t\t>\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\/08\/18\/the-rates-of-wrath\/\" 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\/08\/Bob-Hunter.jpg?resize=1200%2C900&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-large size-newspack-article-block-landscape-large wp-post-image\" alt=\"The Rates of Wrath\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?w=2200&amp;ssl=1 2200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=1536%2C1152&amp;ssl=1 1536w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=2048%2C1536&amp;ssl=1 2048w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=1024%2C768&amp;ssl=1 1024w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=2000%2C1500&amp;ssl=1 2000w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=780%2C585&amp;ssl=1 780w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.jpg?resize=706%2C530&amp;ssl=1 706w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Bob-Hunter.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<h2 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2025\/08\/18\/the-rates-of-wrath\/\" rel=\"bookmark\">The Rates of Wrath<\/a><\/h2>\t\t\t\t\t\t<p>A 2019 Consumer Federation of America auto insurance study reveals that California&#8217;s prior-approval regulatory framework outperforms Oklahoma&#8217;s file-and-use framework, costing Oklahomans billions.<\/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&#038;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<time class=\"entry-date published\" datetime=\"2025-08-18T06:00:00-05:00\">August 18, 2025<\/time><time class=\"updated\" datetime=\"2025-11-19T20:40:19-06:00\">November 19, 2025<\/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\n\t<article data-post-id=\"749326\"\n\t\tclass=\"tag-glen-mulready tag-impact-hail tag-insurance tag-kevin-easley tag-kim-holland category-business category-government series-hail-no-why-homeowners-insurance-is-so-expensive type-post post-has-image\"\n\t\t\t\t>\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\/07\/16\/oklahoma-has-nations-highest-average-homeowners-insurance-premiums\/\" 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=\"600\" height=\"450\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/07\/img_4452_720.jpg?resize=600%2C450&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-intermediate size-newspack-article-block-landscape-intermediate wp-post-image\" alt=\"Oklahoma Has Nation&#8217;s Highest Average Homeowners Insurance Premiums\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/07\/img_4452_720.jpg?w=720&amp;ssl=1 720w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/07\/img_4452_720.jpg?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/07\/img_4452_720.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/07\/img_4452_720.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/07\/img_4452_720.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/07\/img_4452_720.jpg?resize=706%2C530&amp;ssl=1 706w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/07\/img_4452_720.jpg?resize=600%2C450&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<h2 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2025\/07\/16\/oklahoma-has-nations-highest-average-homeowners-insurance-premiums\/\" rel=\"bookmark\">Oklahoma Has Nation&#8217;s Highest Average Homeowners Insurance Premiums<\/a><\/h2>\t\t\t\t\t\t<p>Oklahoma Insurance Commissioner Glen Mulready continues to misrepresent Oklahoma\u2019s insurance model, masking statutory quirks that fetishize free market economics and cost Oklahomans millions of dollars.<\/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&#038;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<time class=\"entry-date published\" datetime=\"2025-07-16T06:00:00-05:00\">July 16, 2025<\/time><time class=\"updated\" datetime=\"2025-11-19T20:41:35-06:00\">November 19, 2025<\/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\n\t<article data-post-id=\"746844\"\n\t\tclass=\"tag-glen-mulready tag-hail tag-impact-hail tag-insurance category-business category-government series-hail-no-why-homeowners-insurance-is-so-expensive type-post post-has-image\"\n\t\t\t\t>\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\/05\/15\/hail-no-hail-storms-do-not-explain-oklahomas-outrageous-homeowners-insurance-rates\/\" 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\/05\/ghnewsok_gallery-OK-600838-54a2f3c4-scaled.jpeg?resize=1200%2C900&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-large size-newspack-article-block-landscape-large wp-post-image\" alt=\"Hail No! Hail Storms Do Not Explain Oklahoma\u2019s Outrageous Homeowners\u2019 Insurance Rates\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600838-54a2f3c4-scaled.jpeg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600838-54a2f3c4-scaled.jpeg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600838-54a2f3c4-scaled.jpeg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600838-54a2f3c4-scaled.jpeg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600838-54a2f3c4-scaled.jpeg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600838-54a2f3c4-scaled.jpeg?zoom=2&amp;resize=1200%2C900&amp;ssl=1 2400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/05\/ghnewsok_gallery-OK-600838-54a2f3c4-scaled.jpeg?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<h2 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2025\/05\/15\/hail-no-hail-storms-do-not-explain-oklahomas-outrageous-homeowners-insurance-rates\/\" rel=\"bookmark\">Hail No! Hail Storms Do Not Explain Oklahoma\u2019s Outrageous Homeowners\u2019 Insurance Rates<\/a><\/h2>\t\t\t\t\t\t<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\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&#038;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<time class=\"entry-date published\" datetime=\"2025-05-15T06:00:00-05:00\">May 15, 2025<\/time><time class=\"updated\" datetime=\"2025-11-19T20:42:19-06:00\">November 19, 2025<\/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><\/p>\n","protected":false},"excerpt":{"rendered":"<p>J.C. Hallman\u2019s reporting exposed the truth behind Oklahoma\u2019s soaring homeowners&#8217; insurance costs, revealing that hail and storms aren\u2019t the real culprits. His investigations revealed that weak oversight, lenient regulations, and industry-friendly policies have enabled insurers to raise rates to the nation\u2019s highest levels, resulting in thousands of dollars more for Oklahomans each year. Through continued [&hellip;]<\/p>\n","protected":false},"author":1503485,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","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,"everlit_article_id":"","everlit_hide_embed":false,"everlit_embed_size":"","everlit_generation_settings":[],"_everlit_article_id":"","_everlit_hide_embed":false,"_everlit_embed_size":"","_everlit_generation_settings":[],"_everlit_content_hash":"","_everlit_metadata_hash":"","newspack_featured_image_position":"","newspack_hide_page_title":true,"newspack_show_share_buttons":false,"footnotes":""},"coauthors":[404],"class_list":["post-752028","page","type-page","status-publish","hentry","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>INFLUENCE: 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\/influence-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=\"INFLUENCE: Hail Storms Do Not Explain Oklahoma\u2019s Outrageous Homeowners\u2019 Insurance Rates - Oklahoma Watch\" \/>\n<meta property=\"og:description\" content=\"J.C. Hallman\u2019s reporting exposed the truth behind Oklahoma\u2019s soaring homeowners&#8217; insurance costs, revealing that hail and storms aren\u2019t the real culprits. His investigations revealed that weak oversight, lenient regulations, and industry-friendly policies have enabled insurers to raise rates to the nation\u2019s highest levels, resulting in thousands of dollars more for Oklahomans each year. 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