public adjuster advice

Home Insurance Claim Denials Are Rising. Here Is What the Data Actually Shows.

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Home Insurance Claim Denial Rates Statistics

The national average for home insurance claims closed without payment has risen to 37 percent, according to recent industry data analysis. Not all “denials” mean bad faith; this statistic includes legitimate exclusions, claims withdrawn by the homeowner, and damage that falls below the policy deductible. The time it takes to process a claim is extending, … Read more

How Home Insurance Claims Have Changed — And Why Most Homeowners Are Still Playing by the Old Rules

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How Home Insurance Claims Have Changed

The national average denial rate for property claims has reached 37 percent, meaning the process requires far more rigorous documentation today than it did twenty years ago. Algorithmic pricing tools like Xactimate often lag behind actual local contractor rates, frequently resulting in initial settlement offers that fall significantly short of real-world repair costs. Relying on … Read more