The way it has gone in Guthrie is that an earthquake happens damage is done (usually masonry, occasionally foundation) and an insurance claim is filed. The insurance company determines that the quake was man made and denies the claim. An attorney is involved and a claim is made against a group of frackers (actually high pressure injection wells, but for the common nomenclature...). The frackers deny the claim and a lawsuit is filed.
The frackers claim:
1) You can't sue us in Court, you have to complain to the Corp Commission,
2) The Corp Commision doesn't have the power to act on complaints,
3) There is no link between fracking and earthquakes,
4) If there is, there is no link between THIS earthquake and fracking,
5) If there is, you can't prove it was OUR well that caused the problem,
6) If you can, you can't prove what portion of the blame falls on us, other wells, or natural phenomenon,
They then paper the crap out of the Plaintiff's and the case gets dragged out, creating a situation where you have as much money in the legal fight as you have in damage to your home. Lawsuit is dropped.
Rinse. Repeat.
On the side, lobby state government to cover up the link (which they did for 5 years), pass laws granting immunity or preferential litigation rights to frackers, and generally try to screw people. Also, lobby to remove county and local regulation of wells while also lobbying against centralized "big government."
Oklahoma made international news this summer when the Supreme Court held oil companies can be sued for earthquake damage:
http://www.nytimes.com/2015/07/01/us/oklahoma-court-rules-homeowners-can-sue-oil-companies-over-quakes.htmlto date, I'm not aware of any homeowner being paid by oil companies for earthquake damage.
(incidentally, this is the exact same pattern of behavior seen out east for destroyed wells. When wells started catching on fire and/or being tainted with drilling chemicals, the same argument were used)