{"data":{"id":"us-ok/okla.-stat.-tit.-36-36-4803","jurisdiction":"us-ok","citation":"Okla. Stat. tit. 36, § 36-4803","heading":"Standard policy provisions - Permissible variations","body":"A. The printed form of a policy of fire insurance as set forth\n\nin subsection G of this section shall be known and designated as the\n\nstandard fire insurance policy to be used in the State of Oklahoma.\n\nB. Except as provided in subsection F of this section, no\n\npolicy or contract of fire insurance shall be made, issued or\n\ndelivered by any insurer or by any agent or representative thereof,\n\non any property in the state, unless it shall conform as to all\n\nprovisions, stipulations, agreements and conditions, with such form\n\nof policy.\n\nThere shall be printed at the head of said policy the name of\n\nthe insurer or insurers issuing the policy; the location of the home\n\noffice or United States Office thereof; a statement as to whether\n\nsaid insurer or insurers are stock or mutual corporations or are\n\nreciprocal insurers or Lloyd's underwriters; and there may be added\n\nto the policy such device or devices as the insurer or insurers\n\nissuing said policy shall desire. Any company organized under\n\nspecial charter provisions may so indicate upon its policy, and may\n\nadd to the policy a statement of the plan under which it operates in\n\nthis state.\n\nIf the policy is issued by a mutual, cooperative or reciprocal\n\ninsurer having special regulations with respect to the payment by\n\nthe policyholder of assessments, such regulations shall be made a\n\npart of the policy, and any such insurer may print upon the policy\n\nsuch regulations as may be appropriate to or required by its home\n\nstate or its form of organization.\n\nThere may also be added a statement of the group insurers with\n\nwhich the insurer is financially affiliated.\n\nIn lieu of the facsimile signatures of the president and\n\nsecretary of the insurer there may be used the name or names of such\n\nofficers or managers as are authorized to execute the contract.\n\nC. Appropriate forms of additional contracts, riders or\n\nendorsements, insuring against indirect or consequential loss or\n\ndamage or against any one or more perils other than those of fire\n\nand lightning, or providing coverage which the insurer issuing the\n\npolicy is authorized by charter and by the laws of this state to\n\nassume or issue, may be issued in connection with the standard fire\n\npolicy.\n\nSuch other perils or coverages may include those excluded in the\n\nstandard fire insurance policy, and may include any of the perils or\n\ncoverages permitted to be insured against or issued by property and\n\ncasualty insurers. Such forms of contracts, riders and endorsements\n\nmay contain provisions and stipulations inconsistent with such\n\nstandard fire insurance policy, if said provisions and stipulations\n\nare applicable only to such additional coverage or to the additional\n\nperil or perils insured against.\n\nD. Provisions to be contained on the first page of the policy\n\nmay be rewritten, supplemented, or rearranged to facilitate policy\n\nissuance and to include matter which may otherwise properly be added\n\nby endorsement.\n\nThe pages of the standard fire insurance policy may be\n\nrenumbered and the format rearranged for convenience in the\n\npreparation of individual contracts, and to provide space for the\n\nlisting of rates and premiums for coverages insured hereunder or\n\nunder endorsements attached or printed thereon, and such other data\n\nas may be conveniently included for duplication on daily reports for\n\noffice records.\n\nE. There may be printed upon the standard fire policy the words\n\n\"Standard Fire Insurance Policy for Oklahoma\", and there may be\n\ninserted before and after the word \"Oklahoma\" a designation of any\n\nstate or states in which such form of policy is standard.\n\nThere may be endorsed on any such policy the name, with the word\n\n\"agent\" or \"agents\" and place of business, or any insurance agent or\n\nagents either by writing, printing, stamping or otherwise.\n\nF. Notwithstanding any other provision of this section, the\nand there may be\n\ninserted before and after the word \"Oklahoma\" a designation of any\n\nstate or states in which such form of policy is standard.\n\nThere may be endorsed on any such policy the name, with the word\n\n\"agent\" or \"agents\" and place of business, or any insurance agent or\n\nagents either by writing, printing, stamping or otherwise.\n\nF. Notwithstanding any other provision of this section, the\n\nInsurance Commissioner may approve for use within the state any form\n\nof policy with variations in terms and conditions from the standard\n\nfire insurance policy provided for in this section.\n\nG. The form of the standard fire insurance policy, with\n\npermission to substitute for the word \"company\" a more accurate\n\ndescriptive term for the type of insurer, shall be as follows:\n\n(FIRST PAGE OF) STANDARD FIRE INSURANCE POLICY\n\nNO.\n\n(Space for insertion of name of company or companies issuing the\n\npolicy and other matter permitted to be stated at the head of the\n\npolicy.)\n\n(Space for listing amounts of insurance, rates and premiums for the\n\nbasic coverages insured under the standard form of policy and for\n\nadditional coverages or perils insured under endorsements attached.)\n\nIN CONSIDERATION OF THE PROVISIONS AND STIPULATIONS HEREIN OR ADDED\n\nHERETO AND OF the premium above specified, this Company, for the\n\nterm of from at Noon (Standard Time) to\n\nat Noon (Standard Time)\n\nat location of property involved, to an amount not exceeding the\n\namount(s) above specified, does insure\n\nand legal representatives, to the extent of the actual cash value of\n\nthe property at the time of loss, but not exceeding the amount which\n\nit would cost to repair or replace the property with material of\n\nlike kind and quality within a reasonable time after such loss,\n\nwithout allowance for any increased cost of repair or reconstruction\n\nby reason of any ordinance or law regulating construction or repair,\n\nand without compensation for loss resulting from interruption of\n\nbusiness or manufacture, nor in any event for more than the interest\n\nof the insured, against all DIRECT LOSS BY FIRE, LIGHTNING AND BY\n\nREMOVAL FROM PREMISES ENDANGERED BY THE PERILS INSURED AGAINST IN\n\nTHIS POLICY, EXCEPT AS HEREINAFTER PROVIDED, to the property\n\ndescribed hereinafter while located or contained as described in\n\nthis policy, or pro rata for five days at each proper place to which\n\nany of the property shall necessarily be removed for preservation\n\nfrom the perils insured against in this policy, but not elsewhere.\n\nAssignment of this policy shall not be valid except with the\n\nwritten consent of this Company.\n\nThis policy is made and accepted subject to the foregoing\n\nprovisions and stipulations and those hereinafter stated, which are\n\nhereby made a part of this policy, together with such other\n\nprovisions, stipulations and agreements as may be added hereto, as\n\nprovided in this policy.\n\nIN WITNESS WHEREOF, this Company has executed and attested these\n\npresents; but this policy shall not be valid unless countersigned by\n\nthe duly authorized Agent of this Company at\n\n___________________________________________________________________\n\n___________________________________________________________________\n\nSignature of proper officer or officers.\n\nCountersigned this ______________ day of ______________, 19_________\n\nAgent.\n\n(SECOND PAGE OF) STANDARD FIRE INSURANCE POLICY\n\nConcealment, fraud. This entire policy shall be void if,\n\nwhether before or after a loss, the insured has willfully concealed\n\nor misrepresented any material fact or circumstance concerning this\n\ninsurance or the subject thereof, or the interest of the insured\n\ntherein, or in case of any fraud or false swearing by the insured\n\nrelating thereto.\n\nUninsurable and excepted property. This policy shall not cover\n\naccounts, bills, currency, deeds, evidences of debt, money or\n\nsecurities; nor, unless specifically named hereon in writing,\n\nbullion or manuscripts.\nt or circumstance concerning this\n\ninsurance or the subject thereof, or the interest of the insured\n\ntherein, or in case of any fraud or false swearing by the insured\n\nrelating thereto.\n\nUninsurable and excepted property. This policy shall not cover\n\naccounts, bills, currency, deeds, evidences of debt, money or\n\nsecurities; nor, unless specifically named hereon in writing,\n\nbullion or manuscripts.\n\nPerils not included. This Company shall not be liable for loss\n\nby fire or other perils insured against in this policy caused,\n\ndirectly or indirectly, by: (a) enemy attack by armed forces,\n\nincluding action taken by military, naval or air forces in resisting\n\nan actual or an immediately impending enemy attack; (b) invasion;\n\n(c) insurrection; (d) rebellion; (e) revolution; (f) civil war; (g)\n\nusurped power; (h) order of any civil authority except acts of\n\ndestruction at the time of and for the purpose of preventing the\n\nspread of fire, provided that such fire did not originate from any\n\nof the perils excluded by this policy; (i) neglect of the insured to\n\nuse all reasonable means to save and preserve the property at and\n\nafter a loss, or when the property is endangered by fire in\n\nneighboring premises; (j) nor shall this Company be liable for loss\n\nby theft.\n\nOther Insurance. Other Insurance may be prohibited or the\n\namount of insurance may be limited by endorsement attached hereto.\n\nConditions suspending or restricting insurance. Unless\n\notherwise provided in writing added hereto this Company shall not be\n\nliable for loss occurring\n\n(a) while the hazard is increased by any means within the\n\ncontrol or knowledge of the insured; or\n\n(b) while a described building, whether intended for occupancy\n\nby owner or tenant, is vacant or unoccupied beyond a period of sixty\n\nconsecutive days; or\n\n(c) as a result of explosion or riot, unless fire ensues, and\n\nin that event for loss by fire only.\n\nOther perils or subjects. Any other peril to be insured against\n\nor subject of insurance to be covered in this policy shall be by\n\nendorsement in writing hereon or added hereto.\n\nAdded provisions. The extent of the application of insurance\n\nunder this policy and of the contribution to be made by this Company\n\nin case of loss, and any other provision or agreement not\n\ninconsistent with the provisions of this policy, may be provided for\n\nin writing added hereto, but no provision may be waived except such\n\nas by the terms of this policy is subject to change.\n\nWaiver provisions. No permission affecting this insurance shall\n\nexist, or waiver of any provision be valid, unless granted herein or\n\nexpressed in writing added hereto. No provision, stipulation or\n\nforfeiture shall be held to be waived by any requirement or\n\nproceeding on the part of this Company relating to appraisal or to\n\nany examination provided for herein.\n\nCancellation of policy. This policy shall be canceled at any\n\ntime at the request of the insured, in which case this Company\n\nshall, upon demand and surrender of this policy refund the excess of\n\npaid premium above the customary short rates for the expired time.\n\nThis policy may be canceled at any time by this Company by giving to\n\nthe insured a five days' written notice of cancellation with or\n\nwithout tender of the excess of paid premium above the pro rata\n\npremium for the expired time, which excess, if not tendered shall be\n\nrefunded on demand. Notice of cancellation shall state that said\n\nexcess premium (if not tendered) will be refunded on demand.\n\nMortgagee interests and obligations. If loss hereunder is made\n\npayable, in whole or in part, to a designated mortgagee not named\n\nherein as the insured, such interest in this policy may be canceled\n\nby giving such mortgagee a ten days' written notice of cancellation.\n\nIf the insured fails to render proof of loss such mortgagee,\n\nupon notice, shall render proof of loss in the form herein specified\nMortgagee interests and obligations. If loss hereunder is made\n\npayable, in whole or in part, to a designated mortgagee not named\n\nherein as the insured, such interest in this policy may be canceled\n\nby giving such mortgagee a ten days' written notice of cancellation.\n\nIf the insured fails to render proof of loss such mortgagee,\n\nupon notice, shall render proof of loss in the form herein specified\n\nwithin sixty (60) days after, and shall be subject to the provisions\n\nhereof relating to appraisal and time of payment and of bringing\n\nsuit. If this Company shall claim that no liability existed as to\n\nthe mortgagor or owner, it shall, to the extent of payment of loss\n\nto the mortgagee, be subrogated to all the mortgagee's rights of\n\nrecovery, but without impairing mortgagee's right to sue, or it may\n\npay off the mortgage debt and require an assignment thereof and of\n\nthe mortgage. Other provisions relating to the interests and\n\nobligations of such mortgagee may be added hereto by agreement in\n\nwriting.\n\nPro rata liability. This Company shall not be liable for a\n\ngreater proportion of any loss than the amount hereby insured shall\n\nbear to the whole insurance covering the property against the peril\n\ninvolved, whether collectible or not.\n\nRequirements in case loss occurs. The insured shall give\n\nimmediate written notice to this Company of any loss, protect the\n\nproperty from further damage, forthwith separate the damaged and\n\nundamaged personal property, put it in the best possible order,\n\nfurnish a complete inventory of the destroyed, damaged and undamaged\n\nproperty, showing in detail quantities, costs, actual cash value and\n\namount of loss claimed; and within sixty days after the loss, unless\n\nsuch time is extended in writing by the Company, the insured shall\n\nrender to this Company a proof of loss, signed and sworn to by the\n\ninsured, stating the knowledge and belief of the insured as to the\n\nfollowing: the time and origin of the loss, the interest of the\n\ninsured and of all others in the property, the actual cash value of\n\neach item thereof and the amount of loss thereto, all encumbrances\n\nthereon, all other contracts of insurance, whether valid or not,\n\ncovering any of said property, any changes in the title, use,\n\noccupation, location, possession or exposures of said property since\n\nthe issuing of this policy, by whom and for what purpose any\n\nbuilding herein described and the several parts thereof were\n\noccupied at the time of loss and whether or not it then stood on\n\nleased ground, and shall furnish a copy of all the descriptions and\n\nschedules in all policies and, if required, verified plans and\n\nspecifications of any building, fixtures or machinery destroyed or\n\ndamaged. The insured, as often as may be reasonably required, shall\n\nexhibit to any person designated by this Company all that remains of\n\nany property herein described, and submit to examinations under oath\n\nby any person named by this Company, and subscribe the same, and as\n\noften as may be reasonably required, shall produce for examination\n\nall books of account, bills, invoices and other vouchers or\n\ncertified copies thereof if originals be lost, at such reasonable\n\ntime and place as may be designated by this Company or its\n\nrepresentative, and shall permit extracts and copies thereof to be\n\nmade.\n\nAppraisal. In case the insured and this Company shall fail to\n\nagree as to the actual cash value or the amount of loss, then, on\n\nthe written demand of either, each shall select a competent and\n\ndisinterested appraiser and notify the other of the appraiser\n\nselected within twenty (20) days of such demand. The appraisers\n\nshall first select a competent and disinterested umpire; and failing\n\nfor fifteen (15) days to agree upon such umpire, then, on request of\n\nthe insured or this Company, after notice of hearing to the\n\nnonrequesting party by certified mail, such umpire shall be selected\nd\n\ndisinterested appraiser and notify the other of the appraiser\n\nselected within twenty (20) days of such demand. The appraisers\n\nshall first select a competent and disinterested umpire; and failing\n\nfor fifteen (15) days to agree upon such umpire, then, on request of\n\nthe insured or this Company, after notice of hearing to the\n\nnonrequesting party by certified mail, such umpire shall be selected\n\nby a judge of a district court in the county where the loss\n\noccurred. The appraisers shall then appraise the loss, stating\n\nseparately actual cash value and loss to each item, and, failing to\n\nagree, shall submit their differences, only, to the umpire. An\n\naward in writing, so itemized, of any two when filed with this\n\nCompany shall determine the amount of actual cash value and loss.\n\nEach appraiser shall be paid by the party selecting him and the\n\nexpenses of appraisal and umpire shall be paid by the parties\n\nequally.\n\nCompany's option. It shall be optional with this Company to\n\ntake all, or any part, of the property at the agreed or appraised\n\nvalue, and also to repair, rebuild or replace the property destroyed\n\nor damaged with other of like kind and quality within a reasonable\n\ntime, on giving notice of its intention so to do within thirty days\n\nafter the receipt of the proof of loss herein required.\n\nAbandonment. There can be no abandonment to this Company of any\n\nproperty.\n\nWhen loss payable. The amount of loss for which this Company\n\nmay be liable shall be payable sixty days after proof of loss, as\n\nherein provided, is received by this Company and ascertainment of\n\nthe loss is made either by agreement between the insured and this\n\nCompany expressed in writing or by the filing with this Company of\n\nan award as herein provided.\n\nSuit. No suit or action on this policy for the recovery of any\n\nclaim shall be sustainable in any court of law or equity unless all\n\nthe requirements of this policy shall have been complied with, and\n\nunless commenced within twelve months next after inception of the\n\nloss.\n\nSubrogation. This Company may require from the insured an\n\nassignment of all right of recovery against any party for loss to\n\nthe extent that payment therefor is made by this Company.\n\n(THIRD PAGE OF) STANDARD FIRE INSURANCE POLICY\n\nATTACH FORMS BELOW THIS LINE\n\n____________________________________________________________\n\n(BACK OF STANDARD FIRE INSURANCE POLICY)\n\nExpires________________________\n\nProperty______________________\n\nTotal\n\nAmount $______Premiums $______\n\nInsured________________________\n\n_________________________________________________\n\nSEE INSIDE OF POLICY FOR\n\nPERILS COVERED\n\nNo.________________________\n\n(COMPANY)\n\nIt is important that the written portions of all policies covering\n\nthe same property read exactly alike. If they do not, they should\n\nbe made uniform at once.","path":["OK Code","Title 36"],"source_url":"https://www.oklegislature.gov/OK_Statutes/CompleteTitles/os36.pdf","current_through":"2026-08-14","vintage":"open-us-law v2026.08, retrieved 2026-09-14","retrieved_at":"2026-09-14T18:32:36Z","sha256":"094616038d0a7f2f4b8fafcb896782aea246e874f46daf389077d57c99fa85b4","source_id":"us-ok","stale":false,"prev":"us-ok/okla.-stat.-tit.-36-36-4802","next":"us-ok/okla.-stat.-tit.-36-36-4803.1"},"notice":"GroundRules: Original legal text. Not legal advice."}