Oklahoma carriers quietly push deductibles toward $10,000 — while the AG asks whether 50.8% rate hikes since 2019 are even justified.
The storm has passed — now comes the paperwork. A calm, step-by-step checklist for policyholders picking up the pieces after Isaias.
What to Do the Week After the Hurricane: A Policyholder’s Checklist
Another modeler, lower number — and the gap is the story. When two firms look at the same storm and land $1B apart, the claims fight is just starting.
Verisk puts Isaias insured losses at $1–2B, below Cotality’s $2–3B
Isaias’s claims are opening — 777,000 homes in the wind zone, 342,000 at surge risk — and hurricane deductibles take their first bite since 2024.
Isaias claims begin as Panhandle counts damage from first US hurricane since 2024
California armed its insurance commissioner with a $20,000-per-violation club — insurers that ignore exam findings now pay by the category, with no cap.
California law puts $20,000 sting on insurers that ignore exam findings
Isaias is ashore — first post-landfall count: $2–3 billion in insured losses, below the pre-landfall projections. File fast, and beware storm-chasing contractors.
Cotality puts Isaias insured losses at $2 billion to $3 billion, below pre-landfall estimates
Isaias came ashore near Destin as a Category 2 — and the claims are now opening, with the first post-landfall estimate at $2–3 billion.
Six insurers, facing a bipartisan Senate demand to explain why a growing share of claims close with no payment at all.
State Farm, facing a revived underpayment suit after a court called its prevailing-rate defense wholly conclusory and unsubstantiated.
Supreme Court revives claim underpayment suit against State Farm, questions prevailing rate survey
Hollard, facing a $2 million penalty for breaching its duty of utmost good faith on a storm claim.
