State Farm Accused of Systematically Underpaying Oklahoma Hail Claims, Internal Documents Reveal
State Farm has been ordered by an Oklahoma judge to release internal documents that attorneys representing homeowners allege prove a scheme to underpay weather damage claims. These documents, released in a lawsuit against State Farm, suggest the company ran its wind and hail claims process as a cost-cutting sales campaign, complete with quotas and tracking dashboards, rather than evaluating claims based on policy and damage. Internal communications show executives identified full roof replacements as the largest area for cost reduction, with one executive, Nicole Manduca, explicitly stating this 'biggest bucket' meant savings on policyholder payouts. A 2020 planning document indicated roof claims constituted 57% of State Farm's payouts, making them a primary target for cost-cutting. The tactics, which included mandatory 'Roof Skills Review' training, a module called 'Art of the Conversation' to deliver bad news, and extra manager sign-offs for roof replacements, were rolled out nationwide after a kickoff i...