When your insurance company underpays, delays, or denies a Oklahoma property claim, William J. Addis represents you — never the insurer — to recover what your policy actually owes.
Oklahoma sits in the most tornado-active region of the United States. Policyholders here face both catastrophic individual losses and area-wide events where insurance carriers scramble to limit exposure — at the policyholder’s expense.
Common Oklahoma claim types we handle: tornado total losses across central and eastern Oklahoma; hail in OKC and Tulsa metro areas; commercial roof and structure damage.
Oklahoma is one of the most weather-active states in the country. Its claims are correspondingly large and correspondingly contested.
Important Oklahoma disclosure
This page is an advertisement and a solicitation for public adjusting business by William J. Addis, licensed public adjuster (individual license #3001586244). If you have an existing claim and are satisfied with your insurance carrier's offer, you may disregard this advertisement. Hiring a public adjuster is your choice — you have the right to negotiate your own claim, hire an attorney instead, or proceed without representation.
William J. Addis is licensed as a non-resident public insurance adjuster in Oklahoma (license #3001586244).
Public adjuster fees, contract terms, cancellation rights, and conduct standards are regulated by Oklahoma law. Before signing any public adjuster contract, you have the right to review the contract terms, ask questions about the fee structure and services, and seek independent legal advice if desired. Oklahoma requires written contracts for all public adjusting services; you should never pay a public adjuster before claim settlement, and you should never sign a contract that doesn't clearly state the fee.
Past results described on this website reflect outcomes achieved in specific prior claims; they are not guarantees, predictions, or warranties of future outcomes. Each claim is unique, and the outcome depends on the policy language, the facts of the loss, the carrier's position, and other factors that cannot be predicted in advance. Resolution Claims Consulting, LLC is licensed as a public adjusting firm in Illinois, Rhode Island, Colorado and Minnesota. In Oklahoma, services are provided by William J. Addis under his individual license. We are not attorneys and do not provide legal services. If your claim involves a legal dispute that requires litigation, we may recommend you consult with a licensed attorney.
Verify our license through the Oklahoma insurance regulator. License lookup links and contact information for the Oklahoma insurance department are available on our Legal Disclaimers page.
Oklahoma sits at the intersection of Tornado Alley and Hail Alley — among the most concentrated severe-weather exposure in North America. Average homeowners insurance for a $300,000 Oklahoma home runs roughly $4,651, more than double the national average. The nonrenewal rate climbed 103% between 2018 and 2023, the highest of any landlocked state.
The events driving claim work:
Tornado Alley activity. Oklahoma routinely produces some of the most violent tornadoes in the country. The April 2024 tornadoes in southern Oklahoma generated 661 claims at major carriers within hours, prompting an emergency declaration that allowed out-of-state adjusters to enter the state. In one 24-hour period in 2024, 13 tornadoes hit across Kansas, Tennessee, Illinois, Kentucky, South Dakota, and Missouri — Oklahoma sees a similar pace nearly every spring.
Hailstorms — frequency and severity. Oklahoma averages roughly 297 hail events per year and approximately $80.4 million in annual hail damage. From 2020 to 2024, the state averaged 16.6 days of 2-inch-or-larger hail annually. The May 21, 2024 Tulsa County storm hit homes with golf-ball-sized hail and triggered a wave of denied or underpaid roof claims that are still being litigated.
Carrier behavior under scrutiny. Multiple lawsuits against major Oklahoma carriers allege systematic underpayment of hail and wind claims. Some homeowners have reported being non-renewed shortly after filing claims that the carrier ultimately denied. The Oklahoma Insurance Department has been actively engaged in oversight, and the regulatory environment is increasingly favorable to documented policyholder challenges.
Straight-line wind events. Severe thunderstorm wind events often accompany hail and produce similar damage patterns — shingle uplift, soft-metal damage, structural compromise. The damage is often subtle on initial inspection but progressive.
Ice storms. Oklahoma's winter ice storms produce a different category of claim — falling tree damage, ice-related roof failures, and pipe-burst losses during cold snaps.
The most common Oklahoma claim — and the most commonly underpaid. Carrier estimates frequently miss matching, code upgrades, soft-metal damage, and cumulative damage on slopes that weren't directly exposed to the inspector.
Tornado claims engage every coverage line — dwelling, other structures, contents, ALE, debris removal. Documentation of pre-loss condition and proper scoping of debris and trees regularly recovers significant value the carrier missed.
Straight-line wind damage often gets attributed to "wear and tear" by carriers. Distinguishing storm-caused uplift from age-related deterioration requires specific inspection methodology and meteorological documentation.
One of the most common Oklahoma scenarios: a roof is inspected, the homeowner is told it should be replaced, then the formal denial arrives days later. These reversals are increasingly common and increasingly contestable with proper documentation.
Oklahoma commercial claims — particularly in Tulsa, Oklahoma City, and the energy sector — involve business interruption coverage that requires actual financial documentation, not just physical damage scope. We've recovered seven figures on commercial reversals.
Falling tree damage, ice-loaded roof failures, and pipe-burst losses each have specific coverage analyses. Mold downstream of ice-related water damage often runs into sublimit caps that carriers don't always disclose.
Oklahoma regulates public adjusters under Title 36 §§6202–6230 (the Insurance Adjusters Licensing Act), enforced by the Oklahoma Insurance Department. Key requirements:
Resolution Claims Consulting, LLC is not licensed as a firm in Oklahoma. PA services in Oklahoma are provided by William J. Addis as the individually licensed public adjuster.
Oklahoma's largest homeowners insurance writers include:
Oklahoma's homeowners insurance market is among the most expensive in the country relative to household income — Oklahomans spend roughly 6.84% of household income on homeowners coverage, nearly three times the national average. The combination of frequent severe weather, carrier underwriting tightening, and aggressive non-renewal practices has put pressure on policyholders to fight harder for what their policies actually owe.
This pattern has surfaced in lawsuits against major carriers in Oklahoma — adjusters initially documenting damage, then formal denials arriving days later that contradict the field findings. If you have written or recorded evidence of the field adjuster's initial assessment, that's powerful documentation. We help reconstruct these scenarios when carriers walk back inspection findings.
Most Oklahoma property insurance policies require prompt notice of loss (typically interpreted as within 30–60 days) and have a contractual suit-limitation period of 1–2 years from the date of loss. Specifics vary by policy. If you're approaching either deadline, this is the time to act.
Carriers in Oklahoma can decline to renew at the end of your policy term, subject to state notice requirements. Non-renewal does not affect your active claim — that obligation continues to resolution. Oklahoma's nonrenewal rate has climbed sharply (up 103% between 2018 and 2023), so this scenario is increasingly common.
Only if they hold an active Oklahoma public adjuster license. Negotiating insurance claims for compensation without that license violates Title 36 §6202. Most roofers don't hold this license. Oklahoma also prohibits public adjusters from performing repair work on properties they represent — that conflict of interest is statutorily barred.
Often, yes. Supplemental claims for undocumented scope items, code upgrades, or newly discovered damage are typically available within the policy's notice and suit-limitation deadlines. The May 2024 Tulsa hailstorm and similar events continue to generate supplemental activity.
Oklahoma faces concentrated severe-weather exposure (hail, wind, tornado) but the rate increases have outpaced what hail and tornado data alone explain. Oklahoma homeowners pay nearly 7% of household income on homeowners insurance — the highest in the country. The Oklahoma Insurance Department has been engaged on this question; the underlying cause involves carrier underwriting decisions, reinsurance costs, and market concentration.
Oklahoma has no statutory fee cap. William J. Addis works on contingency only. There are no upfront fees, no out-of-pocket costs, and no fee owed if there's no recovery. The fee is agreed in writing before work begins and is paid only after the carrier issues settlement.
The statutes, dollar figures, weather event data, regulatory rules, and market information cited on this page are drawn from the following sources. Information is current as of the date this page was last updated; insurance regulations and market data change — verify current rules with each state's Department of Insurance before relying on them for any specific claim or decision.
Tell us briefly what happened. We will review your policy and the insurer’s offer, then tell you straight whether there is more to recover — and how much.
This website advertises public insurance adjusting services. In Colorado, Illinois, Minnesota, and Rhode Island, services are provided by Resolution Claims Consulting, LLC, a licensed public adjusting firm. In Kansas, Kentucky, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin, services are provided by William J. Addis as an individually licensed public insurance adjuster. Kentucky law currently bars public adjusters from negotiating with insurers (KRS 304.9-4331(7)), so we are not accepting Kentucky claims at this time. Both Resolution Claims Consulting and William J. Addis work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Public adjuster services are not free; fees are paid by the insured, typically as a percentage of the recovery agreed in writing before work begins, and are subject to applicable state fee caps and statutes.
All recovery amounts, case studies, and settlement figures shown on this site reflect actual outcomes achieved by Resolution Claims Consulting, LLC for past clients. Client and carrier identities have been anonymized. Past results do not guarantee, predict, or imply any specific outcome on a future claim. Each insurance claim is unique. Outcomes depend on the policy language, the facts of the loss, applicable state law, the carrier's position, and many other factors that vary case to case.
Resolution Claims Consulting, LLC — Firm NPN 20764010. Licensed as a public adjusting firm in 4 states: Colorado #803346, Illinois #3002593563, Minnesota #40893260, Rhode Island #3003758028. Resolution Claims Consulting, LLC does not hold firm licenses in other states. William J. Addis — Individual NPN 18667143. Licensed as an individual public adjuster in 18 states: CO #559485, IL #18667143, KS #18667143, KY #1076611, MN #40771302, MO #8428075, NE #18667143, NV #3876040, OH #1743364, OK #3001586244, PA #1262857, RI #3003745104, SC #18667143, TN #3003380591, TX #2784759, UT #1084108, WA #1320332, WI #18667143. All licenses verifiable through each state's department of insurance public license lookup.
Every state's Department of Insurance offers free consumer assistance with insurance claims and disputes — you are not required to hire a public adjuster to file or pursue a claim. Contact your state Department of Insurance directly if you have questions about a claim or about working with a public adjuster.
