OK HB1084

Prohibits soliciting or accepting assignment of post-loss insurance benefits under auto collision/comprehensive, residential property, or commercial property insurance policies, declaring such assignments null, void, and unenforceable

Applies to assignments where insurance benefits or rights of action against insurers are transferred to service providers performing repairs, restoration, damage mitigation, or claims communication on behalf of the insured

Exempts assignments to federally insured financial institutions, mortgagees, subsequent property purchasers, and liability coverage under property policies

Violations constitute unfair or deceptive trade practices subject to existing penalties under Title 36 of the Oklahoma Statutes

Preserves insureds' right to authorize direct payment to service providers for covered services and materials, and attorneys may still collect fees for property insurance claim actions; effective November 1, 2025