State Farm Hail Claims in Oklahoma

Was Your Hail Damage Claim Denied by State Farm?

Across Oklahoma, homeowners have reported a troubling pattern: valid hail damage claims denied, delayed, or drastically undervalued by State Farm. Since 2020, allegations and lawsuits have grown in number, each arguing that State Farm adopted internal strategies designed to redefine what qualifies as hail or hail damage as an approach that could make it easier for the company to reject legitimate claims. With Oklahoma Attorney General Gentner Drummond now taking action, it is more important than ever for you to understand your rights and speak with a law firm capable of standing up to an insurance giant if you think State Farm wrongfully denied your hail damage claim.

At Martin, Jean, Jackson, Martin & Peach, we have represented more than 20,000 clients and bring more than 100 years of combined practice experience to every insurance bad faith case we handle. We have secured over $1,000,000,000 in case results for people harmed by neglectful parties, including nationwide insurance companies that tried to avoid their financial responsibilities. If you believe State Farm mishandled your hail claim in Oklahoma, take immediate action and call us to discuss what happened and whether you have grounds for legal action.

Why homeowners across Oklahoma trust our firm:

• Proven results: We have secured more than $1 billion for clients through settlements and verdicts in a variety of case types.
• Decades of combined experience: Our legal team has more than a century of combined practice experience in high-stakes, complex claims.
• Direct, authoritative approach: We are known for challenging powerful defendants head-on and preparing strong, evidence-driven cases.
• Statewide representation: From our main offices in Ponca City, Tulsa, Stillwater, and Oklahoma City, we can represent clients and homeowners across Oklahoma.

Call us at today to discuss your State Farm hail damage claim. Initial consultations are free and available in English and Spanish.

The Alleged State Farm Hail Claim Scheme

In 2020, State Farm reportedly launched an internal initiative aimed at significantly reducing the amount it pays out for hail and wind claims across Oklahoma. Internal reports indicate that the company held a “Wind Hail Model Enhancement Team” meeting with a global consulting firm during that year to allegedly explore ways to redefine hail and hail damage so the company could deny more claims and cut its hail-related costs by up to 50%. Spokespersons for the insurance corporation have insisted that the meeting was used to adopt new claims adjustment features.

The launch of this initiative in June 2020 coincided with a noticeable increase in claim denials, slowdowns, and reduced payouts for homeowners statewide. Roofs that previously would have been covered under standard policies were suddenly deemed “not hail-related,” “old damage,” “normal wear and tear,” or “cosmetic only,” even when homeowners presented strong evidence of the contrary.

In December 2025, Oklahoma Attorney General Gentner Drummond filed a legal motion accusing State Farm of coordinating a statewide effort to wrongly deny or underpay valid hail and wind damage claims. The AG’s filing suggests that the company’s practices may amount to insurance bad faith, which is an illegal tactic where an insurer deliberately avoids honoring its obligations under its own policy terms.

The Attorney General’s involvement means this is no longer an isolated customer-service problem, too. It is now a statewide legal issue affecting potentially thousands of Oklahoma homeowners. If you have had a hail claim rejected or undervalued by State Farm since 2020, you should call to learn more about what legal options might be available to you.

How to Know If Your Hail Claim Was Wrongfully Denied

Like any homeowners’ insurance provider, State Farm is required to investigate hail claims honestly, promptly, and in good faith. If your hail damage claim was handled in a way that raises suspicion, it may indicate that the company did not follow the law or its own contractual obligations, perhaps as part of its alleged new initiative.

Common signs that your claim may have been mishandled include:

• A denial that does not match the physical damage or ignores evidence your roofing contractor documented.
• Unusual delays in inspections, estimates, or communication without a legitimate explanation.
• Sudden or unexplained reclassification of damage, such as claiming hail marks are “cosmetic” when the damage affects performance or lifespan.
• Repeated requests for unnecessary documentation designed to stall the process.
• A payout that is dramatically lower than repair estimates from licensed roofing professionals.
• Claims that your roof had “pre-existing damage” despite evidence to the contrary.
• Adjusters who contradict each other, suggesting inconsistent internal handling.

If any of these occurred, your claim may have been improperly adjusted, and you should speak with us immediately.

How We Can Help You Take Legal Action Against State Farm

State Farm has extensive resources, nationwide legal teams, and internal systems designed to limit how much it pays out when reviewing a claim. When you challenge a large insurer, you should only work with a law firm with the experience, evidence-gathering capabilities, and trial background necessary to match that power; you can find all that and more at Martin, Jean, Jackson, Martin & Peach.

If we can take your hail damage case, we can work to:

• Investigate your claim from the ground up, including independent inspections and expert analysis of hail patterns and damage.
• Obtain internal documents, communications, and claim-handling records that may show whether your claim was affected by company-wide cost-reduction practices that have been cited in the Oklahoma Attorney General’s motion.
• Challenge improper denials or low valuations using roofing experts, meteorologists, structural engineers, and other professionals.
• Protect you from further delays, pressure, or interference from the insurance company.
• Prepare a case that demonstrates how your claim should have been handled under Oklahoma law and under State Farm’s own policy terms.
• Position your case for negotiation or litigation, depending on what best serves your interests.

Our firm has extensive experience litigating cases where large insurance companies attempted to avoid paying valid claims. We know how to structure these cases, how to obtain key evidence, and how to challenge the strategies insurers use to minimize or deny payouts.

Compensation You May Be Able to Demand

Every case is different, and the value of an insurance bad faith claim depends on the circumstances. However, a successful insurance bad faith lawsuit can potentially secure compensation for several types of losses. We can assess your hail damage claim against State Farm and tell you what types of compensation may be available to pursue.

Possible forms of compensation in a State Farm hail damage insurance bad faith case include:

• The full value of the original hail claim, including appropriate repair or replacement costs.
• Additional financial losses caused by the delay, such as further property damage or temporary housing costs.
• Damages for the insurer’s bad faith conduct, when the evidence supports this kind of recovery.
• Reimbursement for out-of-pocket expenses, temporary housing, inspections, or contractor evaluations.

Oklahoma’s Statute of Limitations for Insurance Bad Faith Claims

In Oklahoma, insurance bad faith claims generally fall under a statute of limitations that sets strict deadlines for filing a lawsuit. While the specific time period can depend on the circumstances, including when you discovered or reasonably should have discovered the insurer’s wrongful conduct, you should not assume you have unlimited time to act.

Because these alleged State Farm practices date back to 2020, some claims may already be approaching or surpassing legal deadlines. However, certain facts may allow the filing period to be extended, especially if you did not know that State Farm may have mishandled your claim until the Attorney General’s investigation became public. The sooner we review your claim history, the more accurately we can determine your filing timeframe, so please call right now.

Don’t Wait – Get a Free Case Review Today

If State Farm denied, delayed, or underpaid your hail damage claim filed since June 2020, you should not wait to take legal action. You deserve answers, and you deserve a legal team capable of challenging a nationwide insurance company. At Martin, Jean, Jackson, Martin & Peach, we are ready to take the lead in your case, so you don’t have to stand up to an insurance giant alone.

Call our State Farm hail damage claim attorneys in Oklahoma at and schedule a free, no-obligation case evaluation.

More Information

• Drummond files motion to intervene in case against State Farm over ‘Hail Focus Initiative’ scheme (Oklahoma Attorney General’s Office)