Oklahoma Insurance Commissioner John Doak on Tuesday issued a bulletin to insurance companies clarifying his department’s expectations for earthquake insurance coverage. The notice focused on exclusions regarding man-made damage, pre-existing damage and claims adjusters. "We want to make sure everyone is clear on earthquake insurance," Doak said. "Oklahomans need to know what they are buying. Insurers need to know my expectations regarding the interpretation of policies. And adjusters need to know how to evaluate an earthquake claim."