州农场保险屋顶理赔被查出不当拒赔，俄克拉何马州达成逾4500万美元和解
俄克拉何马州保险局11月13日公布对州农场火灾与意外保险公司（State Farm Fire and Casualty）的市场行为检查结果：该公司在房主风力与冰雹屋顶理赔中存在不当拒赔、未按保单赔付等问题。双方达成的和解总额超过4,500万美元。
和解款项包括三部分：至少3,500万美元用于赔付符合条件的消费者；1,000万美元注入「强化俄克拉何马家园」补助计划；另外286万美元为缴付保险局的罚款与检查费用。
可以获得重新审核的是这样一批理赔：损失发生在2021年1月1日至2025年12月31日之间，属于风力或冰雹损失，且理赔已被结案却未获赔付，包括只获部分赔付或赔付金额低于免赔额的情况。重新审核由州农场与保险局共同选定的独立第三方管理机构负责，州农场将向可能符合条件的投保人寄发经保险局批准的书面通知，投保人可选择是否加入。
保险局表示，这次检查与和解的目的，是纠正该公司在屋顶理赔中的处理方式，让被不当拒赔的房主得到重新审核的机会。消费者如有疑问，可拨打保险局电话 800-522-0071。
「强化俄克拉何马家园」计划为房主加固屋顶、抵御冰雹与强风提供补助。保险局数据表明，参加加固的房主平均每年可节省约700美元保费。
（来源：俄克拉何马州保险局）
State Farm to Pay More Than $45 Million in Oklahoma Settlement Over Improperly Denied Roof Claims
The Oklahoma Insurance Department released on November 13 the results of a market conduct examination of State Farm Fire and Casualty Company, finding that the insurer improperly denied or failed to pay homeowners' wind and hail roof claims. The settlement totals more than $45 million.
The settlement has three parts: a minimum of $35 million in restitution for eligible consumers; $10 million for the Strengthen Oklahoma Homes grant program; and $2.86 million in fines and examination expenses paid to the department.
Claims eligible for a fresh review are wind or hail losses with a date of loss between January 1, 2021 and December 31, 2025 that were closed without payment, including claims that were only partially paid or paid below the deductible. An independent third-party administrator, mutually selected by State Farm and the department, will re-review the claims. State Farm will send department-approved written notices to potentially eligible policyholders, who may opt in.
The department said the examination and settlement are meant to correct the company's roof-claim practices and give homeowners whose claims were improperly denied a new review. Consumers with questions can call the department at 800-522-0071.
The Strengthen Oklahoma Homes program helps homeowners fortify their roofs against hail and high winds. The department says participants with fortified roofs save an average of about $700 a year on premiums.
(Source: Oklahoma Insurance Department)
来源：俄克拉何马州保险局
发布：GSM·美国（发布链接）
图片来源：图片来源：Wikimedia Commons，Xltel (Tom Holland) 摄「Oklahoma State Capitol 2」（CC BY-SA 3.0），图中为位于 Oklahoma City 的俄克拉何马州议会大厦 Image: Wikimedia Commons, "Oklahoma State Capitol 2" by Xltel (Tom Holland) (CC BY-SA 3.0), showing the Oklahoma State Capitol in Oklahoma City
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