Okla. Stat. tit. 36, § 36-4803

A. The printed form of a policy of fire insurance as set forth

in subsection G of this section shall be known and designated as the

standard fire insurance policy to be used in the State of Oklahoma.

B. Except as provided in subsection F of this section, no

policy or contract of fire insurance shall be made, issued or

delivered by any insurer or by any agent or representative thereof,

on any property in the state, unless it shall conform as to all

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provisions, stipulations, agreements and conditions, with such form

of policy.

There shall be printed at the head of said policy the name of

the insurer or insurers issuing the policy; the location of the home

office or United States Office thereof; a statement as to whether

said insurer or insurers are stock or mutual corporations or are

reciprocal insurers or Lloyd's underwriters; and there may be added

to the policy such device or devices as the insurer or insurers

issuing said policy shall desire. Any company organized under

special charter provisions may so indicate upon its policy, and may

add to the policy a statement of the plan under which it operates in

this state.

If the policy is issued by a mutual, cooperative or reciprocal

insurer having special regulations with respect to the payment by

the policyholder of assessments, such regulations shall be made a

part of the policy, and any such insurer may print upon the policy

such regulations as may be appropriate to or required by its home

state or its form of organization.

There may also be added a statement of the group insurers with

which the insurer is financially affiliated.

In lieu of the facsimile signatures of the president and

secretary of the insurer there may be used the name or names of such

officers or managers as are authorized to execute the contract.

C. Appropriate forms of additional contracts, riders or

endorsements, insuring against indirect or consequential loss or

damage or against any one or more perils other than those of fire

and lightning, or providing coverage which the insurer issuing the

policy is authorized by charter and by the laws of this state to

assume or issue, may be issued in connection with the standard fire

policy.

Such other perils or coverages may include those excluded in the

standard fire insurance policy, and may include any of the perils or

coverages permitted to be insured against or issued by property and

casualty insurers. Such forms of contracts, riders and endorsements

may contain provisions and stipulations inconsistent with such

standard fire insurance policy, if said provisions and stipulations

are applicable only to such additional coverage or to the additional

peril or perils insured against.

D. Provisions to be contained on the first page of the policy

may be rewritten, supplemented, or rearranged to facilitate policy

issuance and to include matter which may otherwise properly be added

by endorsement.

The pages of the standard fire insurance policy may be

renumbered and the format rearranged for convenience in the

preparation of individual contracts, and to provide space for the

listing of rates and premiums for coverages insured hereunder or

under endorsements attached or printed thereon, and such other data

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as may be conveniently included for duplication on daily reports for

office records.

E. There may be printed upon the standard fire policy the words

"Standard Fire Insurance Policy for Oklahoma", and there may be

inserted before and after the word "Oklahoma" a designation of any

state or states in which such form of policy is standard.

There may be endorsed on any such policy the name, with the word

"agent" or "agents" and place of business, or any insurance agent or

agents either by writing, printing, stamping or otherwise.

F. Notwithstanding any other provision of this section, the
and there may be

inserted before and after the word "Oklahoma" a designation of any

state or states in which such form of policy is standard.

There may be endorsed on any such policy the name, with the word

"agent" or "agents" and place of business, or any insurance agent or

agents either by writing, printing, stamping or otherwise.

F. Notwithstanding any other provision of this section, the

Insurance Commissioner may approve for use within the state any form

of policy with variations in terms and conditions from the standard

fire insurance policy provided for in this section.

G. The form of the standard fire insurance policy, with

permission to substitute for the word "company" a more accurate

descriptive term for the type of insurer, shall be as follows:

(FIRST PAGE OF) STANDARD FIRE INSURANCE POLICY

NO.

(Space for insertion of name of company or companies issuing the

policy and other matter permitted to be stated at the head of the

policy.)

(Space for listing amounts of insurance, rates and premiums for the

basic coverages insured under the standard form of policy and for

additional coverages or perils insured under endorsements attached.)

IN CONSIDERATION OF THE PROVISIONS AND STIPULATIONS HEREIN OR ADDED

HERETO AND OF the premium above specified, this Company, for the

term of from at Noon (Standard Time) to

at Noon (Standard Time)

at location of property involved, to an amount not exceeding the

amount(s) above specified, does insure

and legal representatives, to the extent of the actual cash value of

the property at the time of loss, but not exceeding the amount which

it would cost to repair or replace the property with material of

like kind and quality within a reasonable time after such loss,

without allowance for any increased cost of repair or reconstruction

by reason of any ordinance or law regulating construction or repair,

and without compensation for loss resulting from interruption of

business or manufacture, nor in any event for more than the interest

of the insured, against all DIRECT LOSS BY FIRE, LIGHTNING AND BY

REMOVAL FROM PREMISES ENDANGERED BY THE PERILS INSURED AGAINST IN

THIS POLICY, EXCEPT AS HEREINAFTER PROVIDED, to the property

described hereinafter while located or contained as described in

this policy, or pro rata for five days at each proper place to which

any of the property shall necessarily be removed for preservation

from the perils insured against in this policy, but not elsewhere.

Assignment of this policy shall not be valid except with the

written consent of this Company.

Oklahoma Statutes - Title 36. Insurance Page 1007

This policy is made and accepted subject to the foregoing

provisions and stipulations and those hereinafter stated, which are

hereby made a part of this policy, together with such other

provisions, stipulations and agreements as may be added hereto, as

provided in this policy.

IN WITNESS WHEREOF, this Company has executed and attested these

presents; but this policy shall not be valid unless countersigned by

the duly authorized Agent of this Company at

___________________________________________________________________

___________________________________________________________________

Signature of proper officer or officers.

Countersigned this ______________ day of ______________, 19_________

Agent.

(SECOND PAGE OF) STANDARD FIRE INSURANCE POLICY

Concealment, fraud. This entire policy shall be void if,

whether before or after a loss, the insured has willfully concealed

or misrepresented any material fact or circumstance concerning this

insurance or the subject thereof, or the interest of the insured

therein, or in case of any fraud or false swearing by the insured

relating thereto.

Uninsurable and excepted property. This policy shall not cover

accounts, bills, currency, deeds, evidences of debt, money or

securities; nor, unless specifically named hereon in writing,

bullion or manuscripts.
t or circumstance concerning this

insurance or the subject thereof, or the interest of the insured

therein, or in case of any fraud or false swearing by the insured

relating thereto.

Uninsurable and excepted property. This policy shall not cover

accounts, bills, currency, deeds, evidences of debt, money or

securities; nor, unless specifically named hereon in writing,

bullion or manuscripts.

Perils not included. This Company shall not be liable for loss

by fire or other perils insured against in this policy caused,

directly or indirectly, by: (a) enemy attack by armed forces,

including action taken by military, naval or air forces in resisting

an actual or an immediately impending enemy attack; (b) invasion;

(c) insurrection; (d) rebellion; (e) revolution; (f) civil war; (g)

usurped power; (h) order of any civil authority except acts of

destruction at the time of and for the purpose of preventing the

spread of fire, provided that such fire did not originate from any

of the perils excluded by this policy; (i) neglect of the insured to

use all reasonable means to save and preserve the property at and

after a loss, or when the property is endangered by fire in

neighboring premises; (j) nor shall this Company be liable for loss

by theft.

Other Insurance. Other Insurance may be prohibited or the

amount of insurance may be limited by endorsement attached hereto.

Conditions suspending or restricting insurance. Unless

otherwise provided in writing added hereto this Company shall not be

liable for loss occurring

(a) while the hazard is increased by any means within the

control or knowledge of the insured; or

Oklahoma Statutes - Title 36. Insurance Page 1008

(b) while a described building, whether intended for occupancy

by owner or tenant, is vacant or unoccupied beyond a period of sixty

consecutive days; or

(c) as a result of explosion or riot, unless fire ensues, and

in that event for loss by fire only.

Other perils or subjects. Any other peril to be insured against

or subject of insurance to be covered in this policy shall be by

endorsement in writing hereon or added hereto.

Added provisions. The extent of the application of insurance

under this policy and of the contribution to be made by this Company

in case of loss, and any other provision or agreement not

inconsistent with the provisions of this policy, may be provided for

in writing added hereto, but no provision may be waived except such

as by the terms of this policy is subject to change.

Waiver provisions. No permission affecting this insurance shall

exist, or waiver of any provision be valid, unless granted herein or

expressed in writing added hereto. No provision, stipulation or

forfeiture shall be held to be waived by any requirement or

proceeding on the part of this Company relating to appraisal or to

any examination provided for herein.

Cancellation of policy. This policy shall be canceled at any

time at the request of the insured, in which case this Company

shall, upon demand and surrender of this policy refund the excess of

paid premium above the customary short rates for the expired time.

This policy may be canceled at any time by this Company by giving to

the insured a five days' written notice of cancellation with or

without tender of the excess of paid premium above the pro rata

premium for the expired time, which excess, if not tendered shall be

refunded on demand. Notice of cancellation shall state that said

excess premium (if not tendered) will be refunded on demand.

Mortgagee interests and obligations. If loss hereunder is made

payable, in whole or in part, to a designated mortgagee not named

herein as the insured, such interest in this policy may be canceled

by giving such mortgagee a ten days' written notice of cancellation.

If the insured fails to render proof of loss such mortgagee,

upon notice, shall render proof of loss in the form herein specified
Mortgagee interests and obligations. If loss hereunder is made

payable, in whole or in part, to a designated mortgagee not named

herein as the insured, such interest in this policy may be canceled

by giving such mortgagee a ten days' written notice of cancellation.

If the insured fails to render proof of loss such mortgagee,

upon notice, shall render proof of loss in the form herein specified

within sixty (60) days after, and shall be subject to the provisions

hereof relating to appraisal and time of payment and of bringing

suit. If this Company shall claim that no liability existed as to

the mortgagor or owner, it shall, to the extent of payment of loss

to the mortgagee, be subrogated to all the mortgagee's rights of

recovery, but without impairing mortgagee's right to sue, or it may

pay off the mortgage debt and require an assignment thereof and of

the mortgage. Other provisions relating to the interests and

obligations of such mortgagee may be added hereto by agreement in

writing.

Oklahoma Statutes - Title 36. Insurance Page 1009

Pro rata liability. This Company shall not be liable for a

greater proportion of any loss than the amount hereby insured shall

bear to the whole insurance covering the property against the peril

involved, whether collectible or not.

Requirements in case loss occurs. The insured shall give

immediate written notice to this Company of any loss, protect the

property from further damage, forthwith separate the damaged and

undamaged personal property, put it in the best possible order,

furnish a complete inventory of the destroyed, damaged and undamaged

property, showing in detail quantities, costs, actual cash value and

amount of loss claimed; and within sixty days after the loss, unless

such time is extended in writing by the Company, the insured shall

render to this Company a proof of loss, signed and sworn to by the

insured, stating the knowledge and belief of the insured as to the

following: the time and origin of the loss, the interest of the

insured and of all others in the property, the actual cash value of

each item thereof and the amount of loss thereto, all encumbrances

thereon, all other contracts of insurance, whether valid or not,

covering any of said property, any changes in the title, use,

occupation, location, possession or exposures of said property since

the issuing of this policy, by whom and for what purpose any

building herein described and the several parts thereof were

occupied at the time of loss and whether or not it then stood on

leased ground, and shall furnish a copy of all the descriptions and

schedules in all policies and, if required, verified plans and

specifications of any building, fixtures or machinery destroyed or

damaged. The insured, as often as may be reasonably required, shall

exhibit to any person designated by this Company all that remains of

any property herein described, and submit to examinations under oath

by any person named by this Company, and subscribe the same, and as

often as may be reasonably required, shall produce for examination

all books of account, bills, invoices and other vouchers or

certified copies thereof if originals be lost, at such reasonable

time and place as may be designated by this Company or its

representative, and shall permit extracts and copies thereof to be

made.

Appraisal. In case the insured and this Company shall fail to

agree as to the actual cash value or the amount of loss, then, on

the written demand of either, each shall select a competent and

disinterested appraiser and notify the other of the appraiser

selected within twenty (20) days of such demand. The appraisers

shall first select a competent and disinterested umpire; and failing

for fifteen (15) days to agree upon such umpire, then, on request of

the insured or this Company, after notice of hearing to the

nonrequesting party by certified mail, such umpire shall be selected
d

disinterested appraiser and notify the other of the appraiser

selected within twenty (20) days of such demand. The appraisers

shall first select a competent and disinterested umpire; and failing

for fifteen (15) days to agree upon such umpire, then, on request of

the insured or this Company, after notice of hearing to the

nonrequesting party by certified mail, such umpire shall be selected

by a judge of a district court in the county where the loss

occurred. The appraisers shall then appraise the loss, stating

Oklahoma Statutes - Title 36. Insurance Page 1010

separately actual cash value and loss to each item, and, failing to

agree, shall submit their differences, only, to the umpire. An

award in writing, so itemized, of any two when filed with this

Company shall determine the amount of actual cash value and loss.

Each appraiser shall be paid by the party selecting him and the

expenses of appraisal and umpire shall be paid by the parties

equally.

Company's option. It shall be optional with this Company to

take all, or any part, of the property at the agreed or appraised

value, and also to repair, rebuild or replace the property destroyed

or damaged with other of like kind and quality within a reasonable

time, on giving notice of its intention so to do within thirty days

after the receipt of the proof of loss herein required.

Abandonment. There can be no abandonment to this Company of any

property.

When loss payable. The amount of loss for which this Company

may be liable shall be payable sixty days after proof of loss, as

herein provided, is received by this Company and ascertainment of

the loss is made either by agreement between the insured and this

Company expressed in writing or by the filing with this Company of

an award as herein provided.

Suit. No suit or action on this policy for the recovery of any

claim shall be sustainable in any court of law or equity unless all

the requirements of this policy shall have been complied with, and

unless commenced within twelve months next after inception of the

loss.

Subrogation. This Company may require from the insured an

assignment of all right of recovery against any party for loss to

the extent that payment therefor is made by this Company.

(THIRD PAGE OF) STANDARD FIRE INSURANCE POLICY

ATTACH FORMS BELOW THIS LINE

____________________________________________________________

(BACK OF STANDARD FIRE INSURANCE POLICY)

Expires________________________

Property______________________

Total

Amount $______Premiums $______

Insured________________________

_________________________________________________

SEE INSIDE OF POLICY FOR

PERILS COVERED

No.________________________

(COMPANY)

It is important that the written portions of all policies covering

the same property read exactly alike. If they do not, they should

be made uniform at once.

Oklahoma Statutes - Title 36. Insurance Page 1011