Oklahoma's Second Storm Season: Is Your Insurance Ready?
- Tedford Team
- 12 hours ago
- 2 min read
When most people think of storm season in Oklahoma, they picture the spring—thunderstorms, tornadoes, and hail rolling across the state. But many don’t realize that Oklahoma has what meteorologists call a “second severe weather season” in the fall, typically peaking in October and November.For homeowners and business owners, this means that storm risks don’t end when summer does. Instead, October can bring another round of damaging hail, tornadoes, strong winds, and flash flooding. If your insurance coverage hasn’t been reviewed since spring—or even longer—it may be time to check that your policy is ready for fall’s unpredictable weather.
Why Oklahoma Has a Fall Severe Weather Season
In the fall, cold air masses from the north start clashing with lingering warm, moist air from the Gulf of Mexico. This temperature battle creates prime conditions for severe thunderstorms. While tornadoes are less frequent than in spring, fall storms can still be destructive and catch many property owners off guard.
What’s at Risk This Fall
Homes & Roofs – Hail and high winds can damage shingles, gutters, and siding.
Vehicles – Without covered parking, cars and trucks are vulnerable to hail damage.
Businesses – Roofs, signage, and outdoor equipment can all be hit hard by storm debris.
Farms & Ranches – Livestock, crops, and barns face unique exposures in severe storms.
How to “Tune” Your Policy for Fall Storms
Think of your insurance policy like an instrument—it needs to be kept in tune with your risks.
Here’s how to prepare:
1. Review Coverage Limits – Ensure your home or business is insured to current replacement cost values. Construction costs continue to rise, and outdated limits could leave you underinsured.
2. Check Your Deductibles – In Oklahoma, many policies carry separate wind/hail deductibles. Know what yours is and whether it still makes sense for your budget.
3. Confirm Roof Coverage – Ask your agent if your policy covers full roof replacement or only actual cash value (which factors in depreciation). This makes a big difference after a hailstorm.
4. Add Comprehensive Auto Coverage – If your car isn’t protected against hail or falling branches, comprehensive auto insurance can help cover those repairs.
5. Evaluate Business Interruption Coverage – Storms can shut down operations. Business interruption coverage helps replace lost income while repairs are being made.
Stay Ahead of the Storm
Fall storms are part of life in Oklahoma—but being caught unprepared doesn’t have to be. By reviewing and fine-tuning your insurance now, you’ll know that your home, business, and vehicles are ready for whatever October skies bring.
Product descriptions provide a summary of coverage and are provided as a reference only. The actual policy determines coverage. The policy contains exclusions, limitations and other provisions not referenced (or only briefly summarized) here and the policy should be consulted for full coverage terms, conditions, and requirements.