What Oklahoma City Homeowners Are Dealing With Right Now

August in Oklahoma City doesn't let up easy. The ground is baked hard, the A/C hasn't had a day off in weeks, and half the neighborhood is squeezing in one more trip before school starts back up. Most of that just feels like normal summer.

​But a few of these things touch your home insurance more than people realize, so I wanted to run through what I'm hearing about most from clients right now.

need home insurance right for oklahoma?

The heat is doing more than running up your electric bill

Everybody feels the heat in their utility bill this time of year. Fewer people think about what it's doing to the house itself. Sustained high temperatures can stress roofing, wiring, and plumbing in ways that show up as claims later in the fall.

​I put together a full breakdown of where hot weather actually creates coverage gaps, and it's worth a look if you haven't reviewed your policy since last summer. You can read how hot Oklahoma weather affects your home insurance for the details.

Your foundation is moving more than you think

​Oklahoma clay soil does not do well in a dry August. It contracts as it dries out, and that movement puts pressure on your foundation in ways you might not notice until you see a new crack in the drywall or a door that suddenly won't latch right.

​Whether that's covered depends a lot on the cause, and it trips people up every year. I wrote up how it typically breaks down in does your home insurance cover your foundation, including what standard policies do and don't pick up.

A/C units are a target this time of year

I've had more than one client call about this exact situation this summer. The outdoor unit is gone one morning, no warning, no damage to the house, just missing. Copper and aluminum make these units worth something to the wrong people, and an unfenced unit in a side yard is an easy target.

​Good news is this is usually covered, but where it falls in your policy depends on how your home is set up. I broke it all down in what if your A/C unit gets stolen or vandalized in Oklahoma City, including a few cheap ways to make your unit a less obvious target.

One more trip before school starts

Got a getaway planned before the kids head back to class?

​A lot of OKC families do this time of year, and most of the time it's a great last hurrah for summer. But an empty house for a few days is exactly when small problems turn into big ones, since nobody's around to catch a leak or a break-in early.

​I put together what actually happens to your coverage while you're away, and a few simple steps that keep a claim on solid ground if something does go wrong. Take a look at what if your home gets damaged while you're on vacation before you leave town.

Let's make sure you're actually covered

Most of what I've covered here comes down to the same thing. Oklahoma weather and Oklahoma soil put real stress on a house, and standard coverage doesn't always catch everything you'd assume it does. If it's been a while since you looked at your policy, now's a good time, before fall storm season adds one more thing to the list.
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Get a home insurance quote and I'll walk you through exactly what you're covered for.

Get the best home insurance for oklahoma!

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Scott Godwin
​Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. 

Whether in Moore, Edmond, Norman, Oklahoma City or surrounding areas, We can help you find the coverage you need.