• Insurance companies refuse coverage for man-made earthquakes in Oklahoma

    By: Lynn Casey


    OKLAHOMA CITY, Okla. - Quick facts:


    • Some insurance companies said they will not offer coverage for man-made earthquakes.
    • Oklahoma Insurance Commissioner John Doak said those denied claims for this reason can file a complaint with his office.
    • Other insurance companies said they will cover all earthquake damage.


    Oklahoma insurance companies are now letting people know what their policies cover after a number of earthquakes in the Sooner State.

    Oklahoma Insurance Commissioner John Doak asked insurance companies in October to let their customers know what their policies cover.

    People have begun to receive letters from their insurance companies, and now some have even more questions.

    FOX23 Lynn Casey talked to customers whose insurance companies stopped coverage for certain earthquakes

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    Companies like GEICO are refusing coverage for any damage caused by man-made earthquakes, such as those caused by injection or fracking.

    Customers said they wonder how it can affect their coverage during the debate over the earthquakes’ causes.

    Other companies like State Farm said they will cover all earthquake damage, regardless of cause, but customers are required to buy endorsements to their homeowner’s policies.

    SOUND: Insurance representative talks earthquake worries

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    In Tulsa, it costs around $30 a year for a $100,000 house. The deductible is between 2 percent and 5 percent.

    Doak said that if someone is denied a claim because a company said the earthquake was man-made, he or she can challenge that by filing a complaint with his office.

    His office offers free mediation to anyone who cannot afford to take an insurance company to court.

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