Shock analysis shows five major US home insurance firms only paid 50% of claims

Stay up to date with notifications from The IndependentNotifications can be managed in browser preferences.AllNewsSportCultureLifestyleA young girl jumps over thick mud and water after the Kona Low storm flooding devastated the Otake Camp community in Waialua, Hawaii (AFP/Getty)A new report reveals that Americans filing home insurance claims have a near 50/50 chance of their claims being paid out. The five largest home insurers collectively declined over 44 per cent of claims resolved in 2025, an increase from 36 per cent a decade prior. This rise in non-payment is largely due to insurers attempting to offset years of losses, partly caused by an increase in catastrophic weather events. Insurers have adjusted by raising deductibles, sometimes calculating them as a percentage of a home's value, and offering lower premiums for higher deductibles. Florida, Texas, and California exhibit particularly high rates of claim non-payment, often linked to specific weather events such as hurricanes, hail, and wildfires. In fullBig Five home insurers didn’t pay out on nearly half of claims last year, analysis saysThank you for registeringPlease refresh the page or navigate to another page on the site to be automatically logged inPlease refresh your browser to be logged in

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