C. Wesley Vines, Admitted to Practice in OK since 1983 and TX since 1990 In light of the recent devastating storms in Oklahoma, it is worth bearing in mind: (1) Oklahoma’s basic rules for interpreting insurance policies, including the “reasonable expectation doctrine,” (2) Oklahoma’s standard for determining “actual cash value,” including the “broad evidence rule,” and (3) Oklahoma’s standard of good faith and fair dealing. In Redcorn vs. State Farm Ins. Co., 55 P.3d 1017 (Okla. 2002), the Oklahoma Supreme Court held that an insurance policy is a contract and the same principles generally apply to the construction of a policy of insurance as apply to any adhesion contract. The parties to a contract for insurance are free to choose…