The Oklahoma History Center is pleased to announce a performance in the Kilgen Organ series featuring organist Christian Elliott. He will provide the accompanying music and sound effects to the American western silent film “The Mark of Zorro” (1920) starring Douglas Fairbanks. This performance will take place on Monday, February 27, 2023, from 7 to 8:30 p.m. Tickets are $10 for Oklahoma Historical Society members and $20 for non-members, and may be reserved by calling 405-522-0765. Doors will open at 6 p.m., and seating is on a first-come, first-served basis.
Christian Elliott is a prominent concert organist, equally at home performing literature of the church and theater. Elliott’s career has included extensive silent film accompaniment at venues including the Academy of Motion Picture Arts and Sciences, the Packard Foundation’s Stanford Theatre and the University of California, Los Angeles. Elliott was privileged to be mentored by several world-renowned organists and worked extensively with the “dean” of silent film accompaniment, Gaylord Carter. Elliott was named Organist of the Year by the American Theatre Organ Society in 2009.

Mercy family medicine physician Dr. Erica Dearman has shifted the focus of her practice to meet the unique needs of Medicare patients in the Oklahoma City metro area.
Dearman, a Mercy primary care physician since 2019, is passionate about caring for seniors and older adults and helping them navigate the natural life changes that come with aging.
“Many seniors are suddenly facing complex medical diagnoses, decreased physical abilities and fewer social interactions than they used to have,” Dr. Dearman said. “The focus of my practice and this new model of care is to work closely with these patients to help them optimize their quality of life in all areas.”
Dr. Dearman’s Medicare patients will have extended visit times and be seen more frequently to keep chronic conditions like high blood pressure, diabetes and heart disease under control.
“The heart and soul of my practice is to help seniors stay out of the hospital and lead long, healthy lives,” Dr. Dearman said.
Patients will also have access to the full suite of services available to all Mercy patients, including Mercy on Call, the after-hours help line staffed by a full Mercy care team, and access to MyMercy, a free app and website that make it easy to manage doctor visits, medications, tests and billing in one convenient place.
Dr. Dearman will see patients at Mercy Clinic Primary Care – Edmond Memorial. Call (405) 341-7009 to schedule an appointment or book online here.

INTEGRIS Health is celebrating 35 years of kidney transplantation. Surgeons with the INTEGRIS Health Nazih Zuhdi Transplant Institute have performed more than 2200 kidney transplants since the program began.
The INTEGRIS Health Kidney and Pancreas Transplant Center offers superior outcomes for kidney transplants from both living and deceased donors. It consists of one of the largest and most experienced transplant teams in the United States.
E.N. Scott Samara, M.D., is the surgical director of kidney transplant at INTEGRIS Health Baptist Medical Center. He conducted the first kidney transplant at the facility and still practices today. He is proud of what the program has accomplished through the years
“I have been grateful to see over 2000 patients be able to avoid or stop dialysis and live normal productive lives,” says Samara. “In the last 15 years, I have even been able to work with my son, Dr. Shea Samara, and Dr. Jose El-Amm, who is the medical director of kidney transplant and like a son to me, which has been both professionally and personally fulfilling.”
Every ten minutes another person is added to the national transplant waiting list. Of those, 82% are in need of a kidney. There are more than 90,000 people in the United States waiting for a kidney donation. The average wait time for a kidney is three to five years from a deceased donor. With living donation, a patient may be able to receive a transplant much faster. To learn more or schedule an assessment, call 405-949-3816.

New general admission prices effective Thursday, February 9, 2023. With more than 1,000 animals to see, immersive habitats and memorable experiences, OKC Zoo remains top destination at best-value among state attractions.

On Tuesday, January 17, 2023, Oklahoma City Council members approved price adjustments to general admission prices for the Oklahoma City Zoo and Botanical Garden. Beginning Thursday, February 9, general adult admission will increase from $12 to $16, and admission for children ages 3 to 11 and seniors 65+ will increase from $9 to $13. Children two and under receive free entry into the Zoo. City Council also approved adjusted admission prices for student field trips which will be decreasing from $6.15 to $6 per student 3 to 11 and from $9.25 to $9 for students 12+. Educators wishing to make a reservation for a field trip can do so online at:
https://www.okczoo.org/self-guided-field-trips.
The Zoo’s last admission increase took effect February 2020.
ZOOfriends’ memberships will also be increasing effective February 9, 2023. Zoo fans are encouraged to join now and purchase memberships at our current prices. All ZOOfriends memberships are good for one year from date of purchase with the same incredible benefits including unlimited Zoo visits for a year and additional discounts. By purchasing a membership, you are also supporting the OKC Zoo, its growing animal family, conservation efforts and expansion including the awaited opening of Expedition Africa this summer! Purchase ZOOfriends memberships online at:
https://www.okczoo.org/membership.
The Oklahoma City Zoo is in its winter hours and open Thursday through Monday from 9 a.m. to 5 p.m. with the last entry at 4 p.m., and closed to the public on Tuesdays and Wednesdays through February 8, 2023. Purchase advance Zoo admission tickets at okczoo.org/tickets and avoid the entry lines. Located at the crossroads of I-44 and I-35, the OKC Zoo is a proud member of the Association of Zoos and Aquariums, the American Alliance of Museums, Oklahoma City’s Adventure District and an Adventure Road partner. Regular daytime admission is $12 for adults and $9 for children ages 3-11 and seniors ages 65 and over. Children two and under are admitted free. Stay connected with the Zoo on Facebook, Twitter, Instagram, Linktree and TikTok, and by visiting our blog stories. Zoo fans can support the OKC Zoo by becoming a ZOOfriends member. Starting at $45, memberships can be purchased at www.okczoo.org/membership and provide access to the OKC Zoo for an entire year plus, additional benefits and discounts. To learn more about Zoo happenings, call (405) 424-3344 or visit https://www.okczoo.org/.

From Terry “Travels with Terry” Zinn t4z@aol.com
text and photo provided by the Oklahoma Historical Society

You could say that Baltimore is a city designed for Senior leisure. The hop on and off water taxi around the bay is an ideal way to see a lot of the area’s attractions with a minimum of exertion, as it stops at many attractions. The minimal fee is good for the entire day. The small boat captains are eager to answer area questions as to where to eat and museum times. Note, many museums and attractions are closed on Mondays and Tuesdays.
Of course it stops at historic Ft Mc Henry – famous for the inspiration of the Star Spangle Banner composition. (www.nps.gov/fomc) You have to change boats to go the extra distance, but worth the convenience, when you think of the inconvenience of getting a taxi or uber to take you to the far out bay point. The preserved and reconstructed brick fort is informative if you have never visited a fort of this generation. It’s humbling to stand in the area that inspired America’s Anthem.
Once there it’s always good to schedule your visit with a tour by a park ranger for details of the fort. If not, the film is always inspiring, if not a bit nostalgic ,when at the end of the movie, a curtain opens to let you view through a large picture window the Fort in the background as the National Anthem plays.
Back in the downtown area is the Flag House where the American garrison size flag was created. Besides the history of the flag you can take a self-guided tour of a small period house, complete with furniture and staging of the time.
For pure entertainment, although you can’t help but learn something, is the national aquarium centrally located at the base of the Inner Harbor. (www.aqua.org) All levels of this multilevel aquarium is easily accessible with riding the multiple escalators, or if needed there is an elevator. Hosting over 20,000 aquatic animals with a Backtip Reef and Living Seashore, and a couple of large screen animal related movies, and a live dolphin show, make the aquarium one of the Inner Harbors best attraction. Of course they host a extensive gift shop with snack bar.
When you’ve got to eat, Baltimore with its vast seafood menus offers many venues. The off the beaten track funky Little Havana Bar and Grill offers many seafood based foods along with an extensive bar and their famous large Mojito.
Phillips Seafood (www.phillipsseafood.com) is a Baltimore tradition. They offer an upscale indoor or outdoor dining experience with reservations recommended. Their 8 ounce Crab Cake Extreme with Mac and Cheese, made with pure Jumbo Lump Crab with no fillers, is served in a skillet, and guaranteed to fill your Crab Cake desires. ($50.00)
If you plan to visit the Baltimore Museum of Art, be sure you check its times, as it is closed on Monday and Tuesdays. While it was closed the days I was in Baltimore I made sure I dined at Gertrude’s, where the Museum of Art displays culinary arts, under the expert guidance of owner, John Shields, is a must. Shields is a veteran TV host, and author and is called the “Culinary Ambassador of the Chesapeake Bay” with the restaurants opening in 1998. Gertrude’s is Shield’s tribute to his grandmother, Gertie. Shields is a personable entrepreneur and you may want to pickup one of his cookbooks including the 25th anniversary, “Chesapeake Bay Cooking.” Many menu options looked appealing but I chose the Irish Salmon, flown in to Gertrude’s several times a week. This is an example of the attention paid to the high standards that has made John Shield’s reputation.
An evening dining cruise aboard the Spirit of Baltimore, is a relaxing way to see more of the bay’s landscape while enjoying a buffet and beverages served by congenial staff. The cruise departs from the west wall of the harbor and cruises the Inner harbor along the Patapsco river, and includes glimpses of Fort Mc Henry. Come prepared for a casual and enjoyable evening, mixing with other tourist and those celebrating special occasions (www.spiritcruises.com/Baltimore).
While visiting the Fells Point area of the harbor you may want to stop in to the upscale Sagamore Hotel for a respite and beverage, or if your budget allows overnight accommodations. For a budget minded traveler the Days Inn Inner Harbor (www.daysinninnerharbor.com), about 3 blocks away from the harbor, and near the Horseshow Casino Baltimore, Ravens Stadium, and Oriole Park at Camden Yards, can fulfill your travel needs.
As you can guess there is much more to discover in Baltimore than I could cover in just two days, so historic and friendly Baltimore may require repeat visits (http://baltimore.org/).

Story by Bobby Anderson, RN, Staff Writer

The new year has brought a new round of hospital layoffs as healthcare systems nationwide deal with surging labor costs, shortages, and declining revenues.
Locally, the first two weeks of January saw layoffs from Integris Health as well as OU Health.
Integris announced it was cutting some 200 positions while OU announced an equal number of layoffs.
In a statement, OU health announced the layoffs would coincide with its planned restructuring.
“As part of the redesign, OU Health will move from a holding company to an operating company structure with duplicative services and positions being eliminated,” the statement read. “An estimated 200 positions will be reconfigured to the new structure, which integrates the organization into clinical business.”
Integris Health announced its reduction would be the result of a combination of cuts.
“Financial challenges are multifold, but some include a dramatic rise in expenses due to labor shortages and supply-chain disruptions, and significantly lower patient volumes compared to pre-pandemic days,” the statement read.
Integris laid off 140 positions and cut 60 vacant jobs, according to a spokeswoman.
The healthcare industry has suffered from nursing shortages and the winter’s omicron surge, forcing many organizations to turn to contract workers demanding higher rates.
The loss of Covid subsidies from the federal government also impacted the ability to keep up with rising labor costs.
Many systems find themselves in a counter-intuitive role of both cutting positions while trying to recruit and retain nurses.
OU Health announced its organizational redesign to complete the integration from its historic merger on July 1, 2021.
OU Health was created as the flagship comprehensive, integrated academic health system to improve the care and outcomes for all Oklahomans. As the state’s academic referral health system, OU Health plays the unique role of providing critical specialty services with access to advanced technology and expertise.
“OU Health needs to support and enhance the capabilities of the state’s vital rural and regional hospitals as the flagship academic referral center. All care that can remain in a community should remain local, but if the patient needs a higher level of care, OU Health is here to serve,” said OU Health President and CEO Richard Lofgren, M.D., MPH.
The organizational redesign and operational restructure will enable OU Health to improve efficiencies and grow its impact in the state and region as well as create a highly integrated, modern clinical platform, one that serves even more Oklahomans.
“In order to grow and adapt to industry changes, we need to perform in terms of the quality of our services, patient experience, and the efficiency and effectiveness of our processes,” Lofgren said. “Oklahoma needs the unique specialty and sub-specialty services we provide. We are positioned with dedicated physicians and staff to fully realize our special mission of clinical care, education, and research. We are committed to our role of continuing to improve the care and outcomes for the region and beyond.”
Both health systems are still actively hiring bedside nurses offering both recruitment and retention bonuses.

For physicians Mitch and Kristin Earley, every day is take your spouse to work day. In clinic, they often go by Dr. Mitch and Dr. Kristin to avoid any confusion among patients. He is enthusiastic about men’s health, and she loves women’s health. Together, they provide the whole range of expertise to their patients after recently joining Mercy Clinic Primary Care – Northwest Family in Oklahoma City.
The Earleys met in medical school at Des Moines University’s College of Osteopathic Medicine when Dr. Mitch was going into his third year and Dr. Kristin was entering her first year.
“Our family has taken care of a lot of other families over the years, which has been very rewarding,” said Dr. Mitch.
Combined, Dr. Mitch and Dr. Kristin have over 42 years of experience in medicine. Sometimes patients overlap, which provides a unique experience for those receiving care and their families. As patients grow, Dr. Mitch tends to treat more of the men and Dr. Kristin sees more of the women and children. (STORY CONTINUES BELOS)

“Family medicine is a great field because we have the privilege of caring for multiple generations of families,” said Dr. Kristin. “When you treat the whole family, you have a better understanding of your patients’ health, living and family situation. It completes the picture and allows us to provide personalized and informed support.”
Treating multiple generations of families has also led to some memorable moments. Dr. Mitch said, “I remember one of my patients gave me a hand-drawn picture, and as I tried to figure out what it was, I learned it was multiple generations of family members that either I or my wife had helped take care of in this little girl’s family, which was a fun thing to see.”
Both physicians appreciate providing general family medicine to any patient, regardless of age or gender. Preventive care is also an essential part of their treatment philosophies.
“I’ve wanted to be a physician for as long as I can remember. I was fascinated by how the body worked as a child, and as I pursued my education and career, it developed into an interest about how the whole person works,” said Dr. Kristin. “I want to create a partnership with my patients so we can better their quality of life together.”
In addition to general and men’s health, Dr. Mitch also provides sports medicine expertise to his patients.
“One aspect of family medicine that challenges me is figuring out a diagnosis and then determining the best course of action for a patient,” said Dr. Mitch. “I also really enjoy the diversity of patients that family practice provides. I can practice a variety of skills that helps improve a patient’s life.”
When they are not caring for patients, the Earleys enjoy sports, travel, music, cooking and trying new foods.
Schedule online with Dr. Mitch at https://www.mercy.net/doctor/mitchell-l-earley-do/ and with Dr. Kristin at https://www.mercy.net/doctor/kristin-frady-earley-do/.

By Nick Thomas

Before “Grease,” the hit 1978 movie, there was “Grease” the musical theater production first performed in Chicago in 1971 before moving to Broadway a year later for over 3,000 performances.
Adrienne Barbeau, who played Rizzo during the first five months of the show’s run, helped commemorate the 50th anniversary of the production as a co-editor of the 2022 book: “Grease, Tell Me More, Tell Me More – Stories from the Broadway Phenomenon That Started It All.” It features personal anecdotes from the Broadway cast and crew.
“It stemmed from a Zoom meeting that the original cast had when the pandemic first shut everything down,” recalled Barbeau from her home in Los Angeles. “The stories everybody told were just so delightful and touching and funny and most of them all new to me because I left the show early on.” (STORY CONTINUES BELOW)

Barbeau and two others involved in the production began assembling the stories.
“We sent out a questionnaire to over 100 actors, musicians, and crew members who had been involved in the show asking them to write down their stories of working on the production,” said Barbeau. “We put it all together in a terrific tribute to the show.”
Despite her strong connection to “Grease” which opened on Valentine’s Day, 1972, to this day Barbeau still has not watched the popular 1978 movie version which has many differences, including some of the music, from the original play.
“I happened to hear one of the songs from the movie a long time back, which was one of my songs,” she recalled. “It was lovely what they had done with it, but it just was not what we had done. So, I decided never to watch the film so I could keep the memory of our show and not cloud it with another version.”
Though her career began in musical theater, Barbeau left “Grease” to co-star in the TV comedy “Maude” throughout the 70s. But in the early 80s, the actress starred in several horror/sci-fi films (“Swamp Thing,” “The Fog,” “Escape from New York,” “Creepshow”) forever cementing her movie status as a horror sex symbol (see www.abarbeau.com).
“I started out in musical theater and comedy, and the transition to more dramatic roles was never by design,” Barbeau explained. “It’s just that somebody offered me something I wanted to do or needed to do to pay bills. I ended up playing strong women who were not victims and they were often interesting and challenging roles.”
“People always say, oh you were a sex symbol,” she adds. “But I like to remind them my first love scene in film was with a swamp monster!”

Nick Thomas teaches at Auburn University at Montgomery, in Alabama, and has written features, columns, and interviews for numerous magazines and newspapers. See https://www.getnickt.org/.

Story by Darl DeVault, contributing editor

Earnest “Red” Callaway, a visionary volunteer organizer in the world of bicycling and successful paddleboat racing team captain while at Spanish Cove Retirement Village in Yukon, died on December 29 at 96. Callaway dedicated himself to promoting the sport of cycling and making it accessible to all, leaving a lasting positive impact on the cycling community in Oklahoma.
Born in Loveland, Colorado, he started flying airplanes when he was 15. He joined the Navy one day after his 18th birthday in 1944. Flying transport planes, the WWII veteran retired from his 20-year career as a lieutenant commander.
Moving to Oklahoma City in 1963, he worked at the US Federal Aviation Administration Mike Monroney Aeronautical Center, rising through the ranks to be the Chief of Flight Standards there. By the last 15 years of his federal service, he traveled the world from Oklahoma, leading teams coordinating takeoff and landing standards for new large civilian airports.
In 1973, at 46, Callaway founded the Oklahoma Bicycle Society (OBS) to promote bicycle safety and provide a unified voice for those interested in bicycling. He also sought to protect the rights of cyclists and make the sport more accessible to all. Through his leadership, the OBS quickly became the largest cycling organization in the state.
Callaway was a dedicated cyclist known for his ability to ride 8,000 miles a year, which helped him to become a 55-plus age group racing state champion and second nationally in the 60-plus age group. (STORY CONTINUES BELOW)

However, his real claim to fame was as a stellar bike event creator, volunteer recruiter, and negotiator in a 40-year career devoted to cycling, wherein he became known as the father of Oklahoma bicycling. He envisioned and brought to life more cycling events than all others combined across the state, enabling the building of a vibrant cycling culture.
To start the OBS, Callaway published 5,000 copies of “The Pathfinder” bicycle newsletter in 1973 and distributed it to 25 bicycle shops from Norman to Stillwater in his first master recruiter mode in cycling.
The newsletter invited Oklahoma’s cyclists to ride in planned events and join the OBS. Callaway financed the printing of the newsletter out of his own pocket for the first couple of years of the club.
Callaway’s planning and staging of the Greater Oklahoma City Century Run in 1973 and kicking off the Grand Tour in 1974 sparked a club dominance of central Oklahoma cycling importance that has never waned. He lent his expertise to any event including cycling, even triathlons, as they began in the 1980s.
“I met Red in 1983 riding my bicycle around lake Overholser. He was such an encouraging person,” said Johnny Carroll, retired daily cyclist. “We often had excellent chats in between the hard riding. The most important thing about him was he made me feel like a friend instantly. He had the precious gift of conversation.”
He perfected the administrative diplomacy needed to coordinate with Oklahoma City Water Utilities Trust officials for cycling events at Lakes Overholser, Hefner, and Draper over the years. This literally paved the way to having Oklahoma City paved trails at the three largest lakes, some of the safest places to ride.
He did this by organizing events, by showing, not just telling city officials how important bicycling is to its citizens. By staging special events where thousands of people came out to ride their bicycles together, Callaway presented the civic leaders with proof of concept. A good example was in 1990 when 1,600 riders gathered to participate in the Lake Hefner Streak. This fostered an ever-present idea in civic decision-makers’ minds to address the need for safe places for these riders to participate in their sport.
Callaway’s legacy of determined advocacy for bicycling means so much to today’s local bicyclists, who now seldom have to think about where they can ride safely. He sparked the expectation that Oklahoma communities can have safe riding areas available. He added immeasurably to Oklahomans’ access to safe cycling to promote good health, their most valuable asset.
Callaway’s talents also extended to creating challenging and prestigious ultramarathon cycling events locally in the late 1980s and early 1990s. Here his expertise in safety, event planning, leadership, communications, and marketing helped spark another form of interest in bicycling. He led the OBS to stage Ironbutt, a 24-hour unpaced event doing 14-mile laps around Draper. This endurance event tested the limits of even the most experienced cyclists as riders needed to ride non-stop, with only short breaks for food if they were going to win. Ridden as a shorter version of the Race Across America (RAAM), Ironbutt became a qualifier for the grueling RAAM televised by ABC’s Wide World of Sport in its first five years.
Ironbutt’s race against the clock proved popular as a physical and mental test, with riders pushing through fatigue, pain, and sleep deprivation. Its entry list grew so large, drawing ultramarathon cyclists from around the country, Callaway helped the OBS create Tinbutt, a 12-hour event at Draper every other year to qualify for Ironbutt.
He also envisioned OBS’s popular Downwind to Wichita ride, a 172-mile journey from Oklahoma City to Wichita once each summer for several years when a strong south wind was available.
In addition to these larger events, the OBS also hosts a variety of shorter recreational rides throughout the year, including weekend and weekday evening rides while staging educational and charity events. These rides are open to all riders, regardless of skill level, allowing cyclists to get out and enjoy the sport while socializing with other riders.
In his last 10 years, Callaway excelled at paddleboat racing with his fellow residents at Spanish Cove. As captain of the Spanish Cove Dragon Boat Paddling Team for five years, he helped inspire teammates to many medals by beating teams 10, 20, 30 and even 40 years younger.
When redesigned team t-shirts were delivered, they featured the team motto, “Paddle Strong, Live Long,” in bold letters on the back of the hot-pink shirts. Callaway was not only an excellent leader on the water, but also had a vision for the team’s image and message, suggesting the team t-shirt should include the phrase “Paddle Strong, Live Long, and Die Healthy.”
“His proposal highlights the importance of physical activity and exercise in maintaining a healthy lifestyle,” said Debbie Miller, Spanish Cove wellness coordinator. “He believed the sport of dragon boat paddling provides a fun and exciting way to stay active with health benefits such as improving cardiovascular fitness, strengthening muscles, and reducing stress. He felt the team’s philosophy of living a balanced life where physical fitness, mental well-being and healthy habits are all important should be reflected on the team t-shirt.”
Callaway is survived by his wife, Dorothy Wilson, who paddled at his side at Spanish Cove, his children Rusty, Jan and Rick, their spouses and his numerous grandchildren and great-grandchildren. He was predeceased by his first wife, Betty, and his son and daughter-in-law, Chris and Leslie Callaway.
He lived an active and healthy life right until the end. His participation in dragon boat paddling symbolizes the importance of community in our lives. It shows even in our later years, we can still be valuable group members, contributing to its goals and enjoying the team’s camaraderie. His paddling was a testament to his fitness and vitality, and his team leadership reflected his mental acuity and energy. His paddling reminded people they can stay healthy and seek an active lifestyle in their golden years.
The cycling community in Oklahoma will forever be grateful for his contributions, and his passing is deeply felt at Spanish Cove. Callaway’s dedication to promoting fitness in many safe forms has left a lasting positive impact on Oklahoma and will be remembered for years to come.

By Oklahoma Insurance Commissioner Glen Mulready

You’ve just purchased a beautiful, expensive piece of jewelry that you want to protect if lost, damaged or stolen. So, you ask your insurance agent to add a condition to your home insurance policy. As a small business owner, you make an addition to your insurance policy that would exclude or eliminate coverage for your company’s particular type of risk. These examples require changing your current, existing insurance policy; you can do that with an endorsement. An endorsement, also known as a rider, adds, deletes, excludes or changes insurance coverage to increase coverage by way of an endorsement/rider. The endorsement/rider takes precedence over the standard limits of coverage over the original agreement or policy.
TOP CONSIDERATIONS
How an insurance endorsement/rider works. An insurance endorsement/rider is an amendment to an existing insurance contract that changes the original policy’s terms. An endorsement/rider can be issued at the time of purchase, mid-term or at renewal time. An endorsement may affect insurance premiums, and premiums may change as a result.
You can have an endorsement/rider on your homeowners and renter’s policy, life insurance, and auto insurance policies. Endorsements/riders may include adding or deleting people and locations to your current insurance policy. Endorsements/riders are important because they address issues or items not included in the original contract or policy.
* Additional Coverage – An endorsement that adds or includes coverage that would otherwise be excluded.
* Exclusions – Some endorsements exclude coverage for certain types of claims.
* Modification of Coverage – An endorsement can expand the scope of existing coverage.
WHAT YOU SHOULD KNOW – Be informed of any insurance policy changes. An endorsement can vary depending on the insurance company and the type of insurance to which the endorsement applies. If you receive a document stating there is an endorsement to your policy, be sure to compare it to your original policy, and talk with your insurance agent or representative about the changes to make sure you understand them.
Educate yourself on how an endorsement can protect your belongings. If you have expensive jewelry, like a diamond engagement ring or vintage necklace, you might want to consider an endorsement/rider. It will take over and protect these items, where a traditional home insurance policy might end. Other things worthy of an endorsement/rider may include antiques, fine art, and priceless stamp or coin collections, to name a few.
For instance, many home insurance policies exclude coverage for mold or sump pump overflow. An endorsement to your insurance policy could give you that added protection. Many home insurance policies exclude coverage for mold or sump pump overflow. An endorsement to your insurance policy could give you that added protection.
An optional endorsement that protects the rebuild cost of your home is an inflation guard endorsement. These endorsements are common and automatically increase the amount of insurance on your home by a certain percentage each year to account for the disparity caused by inflation.
THREE THINGS TO REMEMBER – An endorsement/rider alters the policy and becomes part of your legal insurance contract.
Always keep a copy of the endorsement and the change notice that accompanies the endorsement along with your copy of the original policy since it remains in force until the contract expires.
Endorsements can reduce or increase your policy premium.
For more information, please contact the Oklahoma Insurance Department at 1-800-522-0071 or visit our website at: https://www.oid.ok.gov/.