Preparing for Peak Heat: Protecting Your Home and Property This Summer

August 5, 2026

Preparing for Peak Heat: Protecting Your Home and Property This Summer

If you’ve lived through an Oklahoma August, you know how much summer asks of your home. The AC runs long hours, the grill gets plenty of use, and the whole house is working to keep everyone cool and comfortable.

The nice part is that a little prep goes a long way. A few small steps now mean you can spend the rest of summer enjoying it, with the confidence that your home is ready for whatever the season brings. Here’s where it pays to focus before the heat peaks.

Get your HVAC system ready

Your air conditioner is the hardest-working part of your home in the summer, so it’s worth a little attention before the hottest stretch arrives. A quick tune-up now helps it run efficiently all season, keeps your energy bills in check, and means you’re set when everyone else is scrambling to book a service call.

A few simple steps make a real difference:

Replace the air filter, then check it monthly during heavy use. A fresh filter helps the whole system run smoothly.
Schedule a professional inspection and cleaning if you haven’t had one this year.
Clear leaves, grass, and debris away from the outdoor unit so it can breathe.
Make sure the vents and registers inside your home are open and not blocked by furniture or rugs.

Regular maintenance keeps your home comfortable, helps your system run efficiently, and can add years to its life.

Grill and gather safely

Summer is prime time for cookouts, and a few good habits keep the fun going without any surprises. Most of them are second nature once you know to watch for them.

Keep grills at least 10 feet from your home, deck, or any structure.
Stay nearby while a grill, fire pit, or smoker is going.
Give your outlets some breathing room when window units, fans, and outdoor lights are all running at once.
Keep dry brush and grass clippings clear of the house and any outdoor heat source.
Test your smoke detectors and keep a fire extinguisher within easy reach.

Oklahoma summers can get dry, so a little space and attention around open flames goes a long way. None of it takes more than a few minutes.

Stay ahead of summer weather

Summer in Oklahoma still brings its share of thunderstorms, wind, and hail, so it’s smart to have your home ready. A quick walk around the property is one of the easiest ways to spot the little things worth handling before a storm rolls in.

Look for loose siding, missing shingles, or worn window seals.
Trim tree limbs near the house, especially any hanging over the roof.
Secure outdoor furniture, umbrellas, and yard equipment so they stay put in high wind.
Clear your gutters and downspouts so heavy rain drains the way it should.
Check that exterior caulking and weatherstripping are in good shape to keep water out.

Fifteen minutes walking the property in early summer can save you a bigger project later on.

Make sure your coverage still fits your home

This is the one that’s easiest to put off, and it’s often the most reassuring to check. With the cost of building materials and labor climbing in recent years, it’s a good idea to confirm your policy still reflects what it would take to rebuild or repair your home today. A quick review means real peace of mind.

It’s worth a short conversation with your local OKFB Insurance agent about:

Whether your dwelling coverage reflects today’s rebuilding costs.
Coverage for detached structures like sheds, shops, fences, or pergolas.
Limits on higher-value items, including outdoor electronics or equipment.
Your deductibles for wind, hail, and other weather events.
Any recent home improvements that should be added to your policy.

These reviews are usually quick, and they’re an easy way to make sure everything’s in order before you need it.

UNDERSTANDING THE INSURANCE CLAIMS PROCESS: WHAT OKLAHOMA FAMILIES SHOULD KNOW

June 17, 2026

UNDERSTANDING THE INSURANCE CLAIMS PROCESS: WHAT OKLAHOMA FAMILIES SHOULD KNOW

Storm damage. A car accident. An unexpected loss. When something goes wrong, knowing what to expect from the claims process can make all the difference.

At Oklahoma Farm Bureau Insurance, being there for Oklahomans means more than providing coverage. It means helping families, farmers, homeowners and business owners navigate the moments that catch them off guard.

Here are five things to know about the claims process before you need it.

Review your coverage before you need it

One of the most common mistakes policyholders make is waiting until after a loss to review their coverage. Understanding what your policy includes ahead of time can prevent confusion when a claim occurs. Coverage limits, deductibles and optional protections vary depending on your policy and needs.

If you have questions, your local OKFB Insurance agent can walk through your policy and make sure your coverage aligns with your needs before you ever need to file.

Document important information as soon as possible

If a covered loss occurs, gathering information early supports the claims process. Depending on the situation, this may include:

Photos or videos of damage
Contact information for involved parties
Receipts or records of damaged property
Dates, times and location details

Keeping records organized reduces delays and gives your claims team what they need to move forward.

Report claims promptly

Waiting to report a claim can create additional challenges. Filing as soon as possible allows the process to begin earlier and helps ensure important details are captured while they’re still fresh.

OKFB Insurance policyholders can contact their local agent or visit the OKFB Insurance Claims hotline after hours at 1-877-632-2524.

Be aware of common claims oversights

During stressful situations, it’s easy for small details to be overlooked. A few things to keep in mind include:

Reviewing your policy details before a loss occurs
Documenting damage as thoroughly as possible
Staying in touch with your agent or claims team throughout the process
Keeping damaged items until your insurer advises otherwise
Understanding what types of damage are covered under your policy

Staying informed and asking questions along the way can help avoid confusion and keep your claim moving forward as smoothly as possible.

Know you do not have to navigate the process alone

Insurance claims can feel overwhelming, especially in the aftermath of an unexpected loss. Having a trusted local agent before you need one means knowing exactly where to turn for answers and guidance, so you can focus on taking care of your family and getting back to normal.

Preparing ahead of time reduces uncertainty when life doesn’t go as planned. Understanding your coverage, keeping important records organized and knowing the steps to take after a loss can make the experience smoother when it matters most.

If you have questions about your coverage or the claims process, contact your local OKFB Insurance agent to learn more.

Storm-Proof Your Ride

May 8, 2025

Protecting Your Car From Hail and Storm Damage

In Oklahoma, weather can be unpredictable. From spring hailstorms to sudden flash floods, your car could be at risk. But with a little preparation, you can minimize the damage and keep your ride ready for the road.

Plan Ahead with Covered Parking:

One of the easiest ways to protect your vehicle is also one of the most effective: park it under cover. If you have a garage or carport, use it. If not, consider parking under overpasses or in public garages when storms are forecasted, or investing in a portable carport or hail shelter.

Keep a Hail Blanket in Your Trunk:

Specialized car covers and hail blankets can offer added protection when garage parking isn’t an option. These padded covers absorb the impact of hail and reduce the risk of costly dents and broken glass.

Know Your Emergency Flood Routes:

Flooding can happen fast, especially in low-lying areas. Familiarize yourself with alternate routes that avoid underpasses or flood-prone streets. It could save you from costly water damage or risky scenarios.

Prepare Your Car for Storm Season:

Storm protection starts with routine maintenance. Make sure your car is storm-ready by:

Checking your tires for proper tread and inflation
Testing your windshield wipers and replacing worn blades
Ensuring your brakes are responsive and fluid levels are topped off

If Caught in a Storm:

Sometimes, despite your best efforts, you get caught in the middle of the storm. Here’s what to do if that happens:

Pull over to a safe location, ideally under a bridge or awning
Turn on your hazard lights
Stay inside the vehicle and away from windows

Prepare Your Damage Checklist If Necessary:

Once the storm passes, assess the damage:

Take photos of any dents, broken glass, or water entry
Check for warning lights on your dashboard
Dry out any wet interior areas quickly to prevent mold

A little storm prep can go a long way in protecting your vehicle from Oklahoma’s weather. While you can’t always predict it, you can control how ready you are to face it.

5 Home Maintenance Items You Shouldn’t Overlook

February 8, 2023

As a homeowner, you already know that it’s important to keep your home clean and in good condition. Sure, vacuuming the floors may come to mind first—but there are some other frequently overlooked home maintenance items that you should check in on, too! Take a look our top home maintenance tips to keep your home tidy and clean.

1. Dishwasher Filters

The dishwasher filter is your trusty sidekick when it comes to ensuring you’re getting squeaky clean dishes. Over time, the filter can become clogged with debris, which can cause it to spew out old food particles while washing your dishes. Dishwashers can also be prone to bacteria because of the dampness, especially when they are not cleaned regularly. Make sure you run an empty cycle with cleansing liquid every once in a while and give it time to fully dry out. To clean your dishwasher filter, simply remove it from the dishwasher and rinse it off with warm water and soap.

2. Washer and Dryer Filters

Did you know you’re supposed to wash your washer? Like the dishwasher, your washing machine can be prone to mold or other bacteria. Run an empty load with some white vinegar and baking soda in your washer to remove any buildup of detergent or fabric softener.

You probably already know to clean off the lint trap in your dryer between each load of laundry, but do you know how often to clean the dryer vent? A dirty dryer vent is the culprit behind 34% of home fires caused by dryers. It’s best to clean out the dryer vent and behind the dryer around every three months. To do so, unplug your dryer from the wall, disconnect the dryer duct (located on the back of the dryer), and vacuum the lint out of the vent. If you have a long or difficult to access dryer vent, you can also hire a professional to come clear the line for you.

3. Water Heaters

Your water heater is another important item to check for maintenance. Over time, minerals can build up in your water heater, which could cause your water lines to clog or lead to other major problems. Keep your water heater in tip-top shape with checkups by professionals at least once a year to make sure everything is running smoothly. Another step to maintaining a healthy water heater is flushing your water heater at least once or twice a year to avoid buildup. A little preventative maintenance goes a long way to keep you safe from major problems or damage!

4. Faucet Aerators

If your faucet doesn’t seem to be performing the way it used to, your faucet aerators may be to blame. These are another item that often gets overlooked when it comes to cleaning. Like a water heater, these small screens at the end of faucets can become filled with minerals, which can clog up your faucet and restrict your water pressure. To clean your faucet aerators, just unscrew them and rinse them off with warm water or soak them in vinegar. Faucet aerators should be rinsed at least every six months or more if you have harder water.

5. Air Filters and Vents

You probably know you need to replace your air filters, but how often do you clean your vents? It’s good practice to do a monthly or quarterly inspection of your air vents for any dust buildup. See any dust buildup? Use a duster or a vacuum attachment to remove the buildup. There are a lot of factors that go into how often you need to replace your filters and clean your vents; however, your air filter may have a replacement date to follow as a general guide.

Keep your home running like a well-oiled machine by taking the time implement our home maintenance tips! However, in the event that damage does occur, it’s important to know that you have options. Reach out to your local OKFB insurance agent for help and to talk through your coverage plan or to assist in the event of a claim.

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