From 2015:
'Extraordinary denial rate' of 9 in 10 earthquake claims rattles Oklahoma Insurance Commissioner John Doak
The state Insurance Department gathered information from “larger earthquake insurance companies” that indicates that only eight of about 100 earthquake claims filed in 2014 were paid. In the bulletin, Doak noted that he is considering an examination of market conduct “to ascertain the facts surrounding the extraordinary denial rate of earthquake claims that the preliminary data seems to indicate.”
The bulletin, which Doak said Wednesday is intended to alert the industry of his expectations and basic consumer protections, focuses on exclusion of man-made damage, pre-existing damage and claim adjusters.
Doak stated that in general it’s correct to say earthquake insurance excludes losses in whole or in part due to man-made causes, such as oil and gas exploration or production. He said there is no agreement on a scientific or governmental level surrounding the recent boom in earthquakes and whether water-disposal injection wells or hydraulic fracturing — called fracking — are the culprits.
“In light of the unsettled science, I am concerned that insurers could be denying claims based on the unsupported belief that these earthquakes were the result of fracking or injection well activity,” Doak wrote. “If that were the case, companies could expect the Department to take appropriate action to enforce the law.”
http://www.tulsaworld.com/newshomepa...c4e9b4066.html
and later...
Companies writing earthquake insurance in Oklahoma have reacted to the flurry of earthquakes in various ways. Some have amended their policy forms to cover damage resulting from wastewater injection, the Insurance Department said. Others have simply been waiving the man-made exclusion, while a third group still excludes quakes induced by wastewater injection, the agency said.
Insurers providing earthquake coverage have 45 days to issue a clarifying notice to policyholders and licensed insurance agents, the Insurance Department said.
According to the agency, the notice insurance companies send to policyholders must contain the following:
EARTHQUAKES RESULTING FROM OIL AND GAS ACTIVITIES
Subject to all policy provisions, the coverage provided by this policy (IS) or (IS NOT) intended to cover earthquake damage resulting from:
A. extracting oil or gas from below the earth's surface by any process, including but not limited to hydraulic fracturing or drilling; or
B. injecting or inserting any substance, including but not limited to, water and wastewater, below the earth's surface for any purpose; or
C. storage of any substance, including but not limited to, water and wastewater below the earth's surface for any purpose; or
D. any combination of a. - c. above.
http://newsok.com/article/5454845
So yeah, not all will cover man made quakes but they are now required to spell out specifically if they do or don't.
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