Oklahoma Public Insurance Adjusters & Claim Specialists

Serving Homeowners, HOAs & Commercial Property Owners Across the Sooner State

Why Oklahoma property owners need an experienced public adjuster

In Oklahoma, severe weather and property damage risks are real — from tornadoes and hailstorms to fire, burst pipes, and water damage. When your insurance company kicks off a payout process, the odds are stacked in their favor. That’s where we step in. At Gavnat & Associates we advocate for you — the homeowner, HOA, contractor or commercial property owner — to make sure you receive the full, fair settlement you deserve.

What we offer in Oklahoma

• Residential Claims — Whether your home suffered roof damage, hail, wind, fire, or water loss, we guide you from first notice to final settlement.
• HOA & Multi-family Communities — For property managers, board members and residents of associations, we handle complex coverage issues like Bare Walls, exterior replacement, matching, and code upgrades.
• Commercial & Industrial Properties — Large-scale losses demand powerful advocacy. We negotiate on your behalf, coordinate experts, provide documentation and drive settlement results.
• Denied or Underpaid Claims — Insurance carriers often minimize payment or deny valid claims. Our experienced adjusters review your policy, assess damage and build the case to recover what’s rightfully yours.
• Full Process Support — From policy review to scope documentation, damage assessment, negotiations, settlement management and appeals.

Why choose us in Oklahoma?

• Our team brings decades of public adjusting experience — we’re not working for the insurance company, we’re working for you.
• We understand state-specific issues: Oklahoma building code upgrades, hail/wind patterns, storm season demands and policy complexities.
• We take a tailored approach: each case has unique facts, and we build strategies accordingly — whether you’re a homeowner, HOA board or property manager.
• Our goal: reduce stress, maximize your payout, handle the heavy lifting so you can focus on recovery and rebuilding.

Common Oklahoma damage scenarios we handle

• Tornado/hail damage to roofs, siding, windows
• Wind-driven debris or structural collapse
• Fire damage — residential or commercial
• Burst pipes, water intrusion, mold or hidden damage
• Business interruption losses (for commercial properties)
• Code/ordinance upgrades, matching issues, replacement value shortfalls
• Disputes or appeals after initial insurance settlements

What to do if you have damage in Oklahoma

1. Notify your insurance company immediately and record your claim number.
2. Document everything — photographs, video, dated notes of damage and loss, drying/mitigation efforts.
3. Don’t sign off on a settlement offer until it’s reviewed — many Oklahoma property owners accept less than they’re owed.
4. Contact us for a no-cost consultation. We’ll review your policy, assess the loss and advise whether you need expert representation.
5. Let us manage negotiations — we coordinate with contractors, engineers, insurers and ensure your rights are protected.

Ready to get started?

If you’re a homeowner, HOA board member, property manager or contractor in Oklahoma and you’ve experienced property damage — or if you’ve already filed a claim but feel underpaid — reach out to us at Gavnat & Associates. We’ll provide a free review of your insurance policy, assess your loss and help you understand your options. Call us or complete the form for a free consultation. Tulsa # 918.703.9689 Oklahoma City # 918.991.5378