Spring and summer in Oklahoma bring more than sunshine—they bring hail, high winds, and tornadoes. As storm season ramps up, it’s critical to ask yourself: Is my insurance ready if disaster strikes?
At Greg Wilson Agency, we help families across Glenpool prepare for the worst so they can rest easy year-round.
1. Understand Your Wind & Hail Deductible
Many Oklahoma policies have separate deductibles for wind and hail claims—often a percentage of your home’s insured value. That can mean thousands out-of-pocket.
Tip: Review your deductible options now and make sure it fits your financial comfort zone.
2. Check for Actual Cash Value vs. Replacement Cost
If your roof is damaged by hail, will your policy cover the full replacement cost—or just the depreciated value? Older roofs are especially vulnerable to actual cash value settlements.
What to Ask Your Agent:
“Am I covered for full roof replacement after storm damage?”
3. Review Your Auto Policy for Comprehensive Coverage
Did you know that hail damage to your car isn’t covered under liability-only insurance? You’ll need comprehensive coverage to protect against hail, falling trees, and flood damage.
Tip: Make sure every vehicle you care about has the right protection before storms hit.
4. Inventory Your Belongings
If a tornado or fire destroys your home, will you remember everything you lost? Taking a video walkthrough or using a home inventory app can help speed up your claim and ensure you’re fully reimbursed.
5. Ask About Backup Coverage
Storms often knock out power, flood basements, or overwhelm sump pumps. Consider adding endorsements like:
Water backup/sump pump overflow
Extended replacement cost
Debris removal
Don't Wait Until It’s Too Late
The time to review your insurance isn’t after a storm—it’s now. At Greg Wilson Agency in Glenpool, we’ll walk you through your home and auto coverage, explain your options in plain English, and make sure you’re truly protected.
👉 Call (918) 291-8358 or request a storm season review here.
