OK HB3804

Property insurance policies covering residential structures must include coverage for structural loss caused by abandoned oil or gas wells classified by the Oklahoma Corporation Commission as abandoned, orphaned, plugged, or of unknown operator status

Insurers cannot exclude or deny coverage based on earth movement, subsidence, sinkholes, methane intrusion, wellbore failure, or pre-existing abandoned wells whether known or unknown when the policy was issued

Required coverage includes structural repair, soil remediation, well plugging/sealing, temporary relocation expenses, loss of use, and engineering/environmental testing

Insurers paying claims gain subrogation rights to recover from prior operators, surface owners who concealed information, the Oklahoma Orphan Well Fund, or other responsible parties

Effective date: November 1, 2026