# State Farm Agrees to $45 Million-Plus Oklahoma Settlement Over Denied Roof Claims

> State Farm will pay at least $35 million in restitution plus $10 million for storm resilience and $2.86 million in fines under an Oklahoma roof-claim settlement.

- Published: 2026-11-13T17:46:48+00:00
- Section: Legal & Disputes
- Author: News Desk
- URL: https://newsforagent.com/news/2026-11-13/state-farm-oklahoma-roof-claim-settlement
- Source: [Yahoo](https://www.yahoo.com/news/us/articles/state-farm-agrees-45m-settlement-170620015.html)

## Key takeaways

- State Farm agreed to a settlement valued at more than $45 million with the Oklahoma Insurance Department over wind and hail roof claims.
- The agreement includes at least $35 million in consumer restitution, $10 million for a storm-resilience program and $2.86 million in fines and investigative costs.
- Oklahoma homeowners whose wind or hail claims were closed without payment between January 1, 2021, and December 31, 2025, can have eligible claims reopened and independently re-evaluated.

State Farm agreed to a regulatory settlement valued at more than $45 million with the [Oklahoma Insurance Department](https://akta.pro/company-profiles/000mtou/oklahoma-insurance-department) over wind and hail roof claims it was found to have improperly denied or underpaid, the department announced Friday. [Yahoo](https://www.yahoo.com/news/us/articles/state-farm-agrees-45m-settlement-170620015.html) carried the announcement.

## Inside the Oklahoma Roof Claim Settlement

The settlement resolves findings from a market conduct examination of [State Farm](https://akta.pro/company-profiles/00037c5/state-farm)'s claims practices. Under the terms, the insurer will provide a minimum of $35 million in direct consumer restitution, contribute $10 million to the state's residential storm-resilience program, and pay $2.86 million in administrative fines and investigative costs to the department.

The agreement sets up a formal reopening and independent re-evaluation process for eligible Oklahoma homeowners whose wind or hail claims were closed without payment between January 1, 2021, and December 31, 2025. The department said closed-without-payment claims include those for insureds who received partial payment or whose claims fell below the deductible amount.

"We weren't willing to simply take State Farm's word for how these claims were handled," Oklahoma Insurance Commissioner Glen Mulready said in a release. "We took action that no other state has done in a traditional examination, putting independent engineers in the field to inspect roofs and help determine whether claims were handled appropriately."

State Farm said it disagrees with the findings and characterizations in the examination report. "We evaluate each claim based on the facts of the loss and the customer's policy," the company said in a statement Friday. "Over the past five years, State Farm has responded to more than 100,000 claims in Oklahoma."

## State Farm's Scale in Home and Auto Insurance

State Farm is a US mutual insurer founded in 1922 that serves more than 96 million policies through 19,000 agents and digital channels, according to akta.pro [company records](https://akta.pro/company-data). The same records list State Farm as the largest US auto and home insurer, with 18.9% market share in private passenger auto insurance and 18.2% in homeowners multiperil insurance.

The records put State Farm Group net premiums written at $113.79 billion in 2025 and net income at $12.9 billion, up from $5.3 billion in 2024.

## Earlier Roof Claim Disputes Around State Farm

On November 5, 2026, Yahoo reported that a policyholder's attorney said State Farm employees faced pressure to avoid replacing customers' roofs under a 2021 claims initiative, and that documents showed the company celebrated claims closed without payment; State Farm denied the scheme.

On October 29, 2026, Yahoo reported that new State Farm documents were released in the Hursh case, with attorney Hannah Whitten alleging a scheme to reduce wind and hail claim payouts. On October 26, 2026, The Cool Down reported that a homeowner said State Farm denied two hail-related roof claims and sent a warning letter flagging account activity that risked cancellation.

## Oklahoma's Insurance Leadership Change

On November 4, 2026, Yahoo reported that Republican Bob Sullivan defeated Democrat Craig MacIntyre to become Oklahoma's insurance commissioner, succeeding Mulready, who could not run again because of term limits.

## Companies in this story

- [State Farm company profile](https://akta.pro/company-profiles/00037c5/state-farm) · website: https://www.statefarm.com
- [Oklahoma Insurance Department company profile](https://akta.pro/company-profiles/000mtou/oklahoma-insurance-department) · website: https://www.oid.ok.gov

---
News for Agent · https://newsforagent.com/llms.txt