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Insurers Refuse 44% of Claims, Leaving Floridians Unpaid

6/1/2026

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Summary

Story summary

Homeowners now face roughly a 50 percent chance a claim will be paid.
The five largest U.S. insurers declined over 44 percent of 2025 claims.
Insurers have raised deductibles tied to a home’s value.
Florida, California and Texas posted nonpayment rates, with Florida leaving more than two-in-five 2024 claims unpaid after hurricanes.
Erie Insurance paid a larger share of claims than a decade ago, while USAA and State Farm disputed the analysis.

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Story summary

Homeowners now face roughly a 50 percent chance a claim will be paid.
The five largest U.S. insurers declined over 44 percent of 2025 claims.
Insurers have raised deductibles tied to a home’s value.
Florida, California and Texas posted nonpayment rates, with Florida leaving more than two-in-five 2024 claims unpaid after hurricanes.
Erie Insurance paid a larger share of claims than a decade ago, while USAA and State Farm disputed the analysis.