08/26/2026
Recent legal actions involving a major insurer are another reminder that the cheapest policy isn’t always the best.
In Oklahoma, newly unsealed court records reportedly show internal efforts tied to reducing wind and hail claim payments, including a significant drop in roof replacement approvals. According to the report, water losses were similar as well.
In California, the Department of Insurance took legal action after an investigation into Los Angeles wildfire claims reportedly found 400 state law violations.
State examiners cited a pattern of slow investigations, unreasonably low settlement offers, poor communication, and constant adjuster reassignments ("adjuster roulette").
Insurance matters most when you need to use it. Make sure you understand what you’re buying before a disaster ever happens.
“They are explosive. They are historical. They prove everything we said was true,” Reggie Whitten, the co-founder of Whitten Burrage law firm, said.