https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/Hundreds of homeowner lawsuits, most of them in Oklahoma, allege that State Farm ran an internal program from 2020 to cut payouts on hail and wind roof claims. Oklahoma Attorney General Gentner Drummond tried to join one case, was blocked by the state Supreme Court, and filed his own racketeering and consumer protection suit in June 2026. State Farm denies wrongdoing and says it pays claims based on each policy and the facts of each loss.enhttps://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e23state-farm-hail-claims-lawsuits-d0e217fdf8Thu, 01 Oct 2026 12:00:00 +0000Two State Farm executives were deposed ahead of the December trial, KOKH reported on 5 October, citing a 1 October court document saying discovery remained an issue. State Farm called the plaintiffs' characterizations false and said it evaluates each claim based on the loss and the coverage purchased.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e22state-farm-hail-claims-lawsuits-2f343609bbMon, 28 Sep 2026 12:00:00 +0000Judge Palumbo ordered 11 of 24 disputed internal State Farm documents de-designated from confidentiality and took the remaining 13 under advisement, according to The Oklahoman and the Merlin Law Group blog. The Oklahoman reported that she warned State Farm of possible sanctions over discovery, and that State Farm called the plaintiffs' narrative misleading.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e21state-farm-hail-claims-lawsuits-7d2e9e65d3Tue, 01 Sep 2026 12:00:00 +0000The Tulsa World reported that Judge Palumbo denied State Farm's request to excuse its chief executive from a deposition in the Oklahoma County case. State Farm said the allegations were serious but remained allegations to be addressed through the legal process.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e20state-farm-hail-claims-lawsuits-40f82ab813Tue, 25 Aug 2026 12:00:00 +0000The Oklahoma Insurance Department said it was reviewing the released State Farm documents as part of a market conduct examination of claims, was pressing the independent examiner to submit its report, and had signed an agreement with the attorney general's office to share confidential information. It said it would not prejudge the litigation.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e17state-farm-hail-claims-lawsuits-a12390e5b9Thu, 13 Aug 2026 12:00:00 +0000A Comanche County district judge heard homeowners' motions in case CJ-2025-135 to unseal internal State Farm documents and to depose chief executive Jon Farney. The homeowners are represented by Whitten Burrage. State Farm said it evaluates each claim on the facts of the loss and the policy terms.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e16state-farm-hail-claims-lawsuits-9c1cc33b92Tue, 04 Aug 2026 12:00:00 +0000Judge Palumbo granted the homeowners' motions to enforce earlier discovery orders, required State Farm to produce key executives for deposition and set a document deadline of 3 September. She imposed no sanctions. Trial was set for 7 December. State Farm said it could not comment on ongoing litigation.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e18state-farm-hail-claims-lawsuits-843a71d6a2Sat, 01 Aug 2026 12:00:00 +0000The Comanche County judge found that most of the disputed documents did not contain trade secrets and gave State Farm 30 days to re-designate only material that qualifies as confidential, according to News 9. A later release reported that 31 documents were de-designated.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e19state-farm-hail-claims-lawsuits-ec0940635bSat, 01 Aug 2026 12:00:00 +0000Documents produced under the order reportedly describe roof claims as 57 percent of payouts, extra manager sign-off for replacements and weekly tracking of repair decisions, and credit the effort with a $1.4 billion drop in payouts in its first year, according to News 9 and plaintiffs' lawyers. State Farm disputes the allegations and says pending bad faith suits are about 1 percent of some 30,000 Oklahoma claims over five years.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e15state-farm-hail-claims-lawsuits-9b4856ea0aMon, 27 Jul 2026 12:00:00 +0000Drummond asked Insurance Commissioner Glen Mulready to release the department's examination of insurers' roof claim handling, saying Mulready had pledged findings in the first quarter of 2026. In a 31 July reply, Mulready said an independent examiner was still conducting the market conduct examination and that no verified report had been received.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e13state-farm-hail-claims-lawsuits-592b02d85eWed, 24 Jun 2026 12:00:00 +0000Drummond sued State Farm Fire and Casualty Co. in Cleveland County District Court, alleging violations of the Oklahoma Consumer Protection Act and the state racketeering act, civil conspiracy and unjust enrichment. The 21-page petition alleges deceptive sales and renewal practices and improper claim denials since 2020, and seeks an injunction, civil penalties, restitution and disgorgement.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e11state-farm-hail-claims-lawsuits-1a0cf984f7Tue, 23 Jun 2026 12:00:00 +0000The Oklahoma Supreme Court unanimously ruled that Judge Palumbo exceeded her authority by allowing the intervention, finding that the racketeering claims would impermissibly expand the private contract dispute, according to KGOU and the Tulsa World. The court pointed to a separate, independent lawsuit as the path forward.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e12state-farm-hail-claims-lawsuits-bc053ab1b1Tue, 23 Jun 2026 12:00:00 +0000In a separate action in the same case, the Supreme Court declined State Farm's challenge to orders requiring production of internal documents and executive depositions, according to News 9 and KGOU.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e14state-farm-hail-claims-lawsuits-d5f5ec49e7Mon, 01 Jun 2026 12:00:00 +0000State Farm said it was pleased with the Supreme Court's unanimous decision, that the attorney general's lawsuit does not change the facts, and that the allegations appear driven more by political motivations than by facts, according to the Tulsa World.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e10state-farm-hail-claims-lawsuits-dcedff64ecTue, 28 Apr 2026 12:00:00 +0000NPR said it reviewed nearly two dozen lawsuits, out of hundreds nationwide, alleging State Farm assessed claims using definitions not found in policies and had managers review adjusters' roof assessments. State Farm said it pays what it owes and strongly rejects claims of unlawful conduct. Oklahoma's insurance commissioner said regulators had been investigating roof claim handling for two years.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e9state-farm-hail-claims-lawsuits-536a4c039dMon, 27 Apr 2026 12:00:00 +0000The Oklahoma Supreme Court heard oral arguments. State Farm's lawyer argued the intervention violated the state constitution's separation of powers. Solicitor General Garry Gaskins argued the attorney general's and the homeowners' claims arose from the same alleged program, according to KGOU.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e8state-farm-hail-claims-lawsuits-afb1ecbae3Thu, 23 Apr 2026 12:00:00 +0000Insurance Journal reported that State Farm said it paid about $5.6 billion nationally on hail claims in 2025, including $1.4 billion in Texas. The company rejected media and lawsuit claims of a broader intentional effort to underpay or deny wind and hail roof claims.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e7state-farm-hail-claims-lawsuits-8e4363c42aWed, 11 Mar 2026 12:00:00 +0000NBC News reported that law firms said more than 600 Oklahoma homeowners had similar suits pending. In legal filings State Farm denied wrongdoing and described the initiative at issue as an accuracy effort, and it told NBC News it had paid more than $1 billion to Oklahoma customers for wind and hail damage.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e6state-farm-hail-claims-lawsuits-a5bf8ca1b5Thu, 01 Jan 2026 12:00:00 +0000State Farm asked the Oklahoma Supreme Court to decide whether the attorney general has authority to intervene in an individual civil case, according to KFOR as republished by InsuranceNewsNet. Repairer Driven News reported that a 20 January State Farm motion to dismiss the attorney general's claims argued that the Consumer Protection Act does not cover insurance, which the insurance commissioner regulates, and that the racketeering claim was insufficient.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e5state-farm-hail-claims-lawsuits-e20086eb36Tue, 30 Dec 2025 12:00:00 +0000Oklahoma County District Judge Amy Palumbo granted Drummond's motion to intervene and rejected State Farm's attempt to block his participation, the attorney general's office announced on 31 December.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e4state-farm-hail-claims-lawsuits-bb8ed98969Thu, 04 Dec 2025 12:00:00 +0000Drummond filed a petition to intervene in the Oklahoma County case. His office alleged State Farm ran a coordinated program, commonly called the Hail Focus Initiative, to deny or reduce valid hail and wind roof claims, and sought penalties, damages, structural reforms and recovery of profits.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e3state-farm-hail-claims-lawsuits-2ee08992b2Tue, 12 Aug 2025 12:00:00 +0000Attorney General Gentner Drummond sent a letter asking Insurance Commissioner Glen Mulready to work with his office on rising homeowners insurance premiums, according to the attorney general's office.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e1state-farm-hail-claims-lawsuits-1523ab673cTue, 01 Jul 2025 12:00:00 +0000KGOU and News 9 reported in June 2026 that State Farm had earlier settled 125 similar bad-faith cases in Oklahoma, which News 9 said cost tens of millions of dollars, including one of about $3 million over a roof claim worth about $30,000. NPR reported that such settlements typically require confidentiality and the return or destruction of discovery documents.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e2state-farm-hail-claims-lawsuits-a2bc0510d1Tue, 01 Jul 2025 12:00:00 +0000A Broken Arrow couple sued State Farm in Oklahoma County District Court (CJ-2025-2626) after their hail roof claim was denied. They allege the insurer used predetermined rules that led to denials regardless of the damage, according to News 9. It is the case in which the attorney general later sought to intervene.https://howitunfolded.com/incidents/state-farm-hail-claims-lawsuits/#e0state-farm-hail-claims-lawsuits-d11b10a27bMon, 01 Jun 2020 12:00:00 +0000Internal State Farm documents later made public in an Oklahoma case describe a June 2020 kickoff in Dallas County, Texas, followed by statewide and then nationwide rollout by the end of 2020, according to News 9. Plaintiffs in lawsuits reviewed by NPR allege the program aimed to cut payouts for full roof replacements.