Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Moore has been struck by violent tornadoes three times in living memory, and in April 2014 it became the first city in the country to adopt a tornado-specific residential building code. Harvey Insurance writes Cleveland County coverage here around the consequence almost nobody prices: most of the houses in Moore were built before that code, and a rebuild will not be.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Moore’s 2014 code raised the design wind load from ninety miles an hour to a hundred and thirty-five, and added hurricane clips, bolts tying the frame to the foundation, tighter spacing between roof joists and stronger garage doors. It is a genuinely good code and it is the reason to feel better about a new Moore house than an old one. It also creates a gap in an ordinary homeowners policy, and the gap only appears at the worst possible moment. Dwelling coverage pays to replace what was there. It does not automatically pay the extra cost of meeting a building standard adopted after the house went up, and on a rebuild that difference runs into real money across framing, connectors, sheathing and the garage. The coverage that closes it is called ordinance or law, and it is usually sold as a percentage of the dwelling limit — ten percent by default on many forms, which on a total loss in this city is frequently not enough. It costs little to raise and it is the single most Moore-specific line on the policy. The second thing worth confirming is that the dwelling limit reflects what a builder would charge today, not what the house appraised at, because after a tornado every contractor in Cleveland County is quoting the same week.
Get a Free Homeowners QuoteYour home is likely the largest investment you'll ever make. Harvey Insurance works with the nation's most trusted carriers to make sure that investment is protected — severe weather, fire, theft, and more.
Moore risk is the one everybody knows, plus the paperwork consequence nobody mentions.
Dwelling coverage rebuilds what was there. Meeting a code adopted after the house was built is a separate coverage, usually capped at a percentage and usually too low here.
This is not a theoretical exposure in Moore. The dwelling limit has to be a current rebuild figure rather than a number set at closing years ago.
An in-ground or garage shelter is an improvement to the property. Whether it is insured, and for how much, depends on how it was added to the policy.
We write across Moore’s established streets, its gated communities and the rebuilt blocks in between.
A gated south-side community built around two lakes and an arboretum, where higher values make extended replacement cost worth pricing.
An established Moore neighborhood where houses predate the 2014 code and a rebuild would have to meet it.
Family streets where the dwelling limit is usually the number that has not been revisited since purchase.
A settled subdivision on the south side, far enough along in its life that roofs and systems now come due together.
Larger lots on the edge of town, where outbuildings and detached structures need a limit of their own.
We’re not a call center or an app. We’re a local agency that treats every client like a neighbor — because most of them are.
We work with the most trusted carriers in the country — and in Moore we quote ordinance-or-law coverage as a number you have chosen, because this is the one city in Oklahoma where it is certain to matter.
We understand the specific risks Moore residents face and write every policy with that knowledge front and center.
When you have a question or a claim, you reach us — the same people who wrote your policy. We know your name and advocate for you, every time.
Tell us the year the house was built and we will show you what a code rebuild would cost. Quoted today.
Get a Free Homeowners QuoteOklahoma City homeowners insurance Norman homeowners insurance Midwest City homeowners insurance Yukon homeowners insurance
Harvey Insurance also proudly serves the smaller communities around Moore, including Oakcliff, Cedar Lane, and Riverwind.
Need car coverage in Moore too? See our Moore auto insurance.
See every city on our Oklahoma homeowners insurance hub.
Also in Moore: Moore renters insurance and Moore landlord insurance.