How We’ve Helped Oklahomans Save Money and Strengthen Their Homes

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For Immediate Release :
March 24, 2026

How We’ve Helped Oklahomans Save Money and Strengthen Their Homes

By Oklahoma Insurance Commissioner Glen Mulready

As I look back over the past seven years in office, I’m proud of the real results the Oklahoma Insurance Department (OID) has delivered to Oklahomans. Our focus has been simple: helping people protect their homes, their families, and their financial future. Every program and effort has been aimed at saving Oklahomans money and strengthening consumer protections.

Protecting Homes and Lowering Insurance Costs

Last year, OID launched the Strengthen Oklahoma Homes (SOH) Grant Program, modeled after a successful program in Alabama. This program helps homeowners strengthen their roofs better to withstand Oklahoma’s high winds and severe storms. By installing an IBHS FORTIFIED Roof™ built to higher standards, homeowners can reduce storm damage, avoid expensive repairs, and save an estimated $700–$800 a year on their homeowners insurance premiums. This program is about more than grants; it’s about building stronger homes so families can recover faster, and everyone benefits from fewer claims over time.

Improving Fire Protection Across Oklahoma

OID’s Fire Protection Services Division also plays an important role in helping communities lower insurance costs. Through the Public Protection Classification (PPC) program, fire departments are evaluated on their training, their equipment, and their ability to respond to fires.

Nearly 20% of Oklahoma’s 1,000 fire departments across all 77 counties have improved their PPC ratings. Better fire protection not only saves lives, but it can also lower insurance premiums. Insurance companies use PPC ratings when setting rates, so communities with stronger fire protection often see direct savings.

Recovering Money for Consumers

When Oklahomans have problems with insurance claims, billing, or coverage, OID’s Consumer Assistance Division steps in to help. In 2025 alone, OID helped recover $10.8 million for consumers, money that went directly back into policyholders’ hands. That’s real money returned to Oklahoma families, and it shows our commitment to making sure insurance companies follow the rules and treat people fairly.

Helping Families Find Lost Life Insurance Benefits

OID also helps families search for lost or forgotten life insurance policies through the Life Insurance Policy Locator. Since December 2016, this program has helped match 10,278 policies totaling more than $200 million in benefits.

Building a Stronger Oklahoma

From roof grants to fire protection improvements to money recovered for consumers, OID’s work over the past seven years has focused on one goal: protecting Oklahoma consumers and strengthening our insurance market. With the continued support of our communities’ first responders and industry partners, we are building a stronger and more affordable Oklahoma.

Media questions or comments should be directed to

Chief of Communications, Liz Heigle
Liz.Heigle@oid.ok.gov | (405) 819-2221

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