07/02/2026
When a State Attorney General files a lawsuit against a major insurance carrier alleging fraudulent claim denials, every policyholder should pay attention.
This is exactly why homeowners and business owners cannot simply assume that the insurance company’s first decision is the correct decision.
A denial letter is not always the final answer.
A low estimate is not always a fair estimate.
And “wear and tear,” “pre-existing damage,” or “not covered” should not be accepted without a full review of the policy, the facts, the damage, and the carrier’s investigation.
Insurance companies have a duty to investigate claims fairly, honestly, and promptly. When that process breaks down, policyholders need someone on their side who understands coverage, estimating, documentation, and claim handling.
If your claim has been denied, delayed, or underpaid, do not give up just because the carrier said no. Get your policy and claim reviewed.
Physical Damage = distinct, demonstrable, detrimental physical alteration to tangible property.
Stokes Public Adjusters, LLC®
Fair and Reasonable Settlements
Experience Matters. Results Prove-It.
Oklahoma Attorney General Gentner Drummond on Wednesday sued State Farm, alleging the insurance company fraudulently failed to properly pay homeowners for roof damage.
