NICB: Texas Again Claims Top Spot for Hail Claims

April 28, 2020

A three-year analysis National Insurance Crime Bureau (NICB) of insurance claims associated with hailstorms in the United States shows Texas once again leads all states in hail claims by a wide margin.

NICB’s report is based on a review of claims data from ISO ClaimSearch during the period of January 1, 2017 through Dec. 31, 2019, totaling 2,769,362 hail loss claims.

The top five states for hail loss claims were: Texas (637,977), Colorado (380,066), Nebraska (161,374), Minnesota (150,673) and Illinois (150,416).

The top five cities for hail loss claims during that period were Omaha, Neb. (54,153); Denver, Colo. (51,887); Colorado Springs, Colo. (38,044); McKinney, Texas (34,134); and Dallas, Texas (25,262).

Over the three years covered by this report, May had the highest monthly total for hail loss claims with 621,945 and June was next with 586,749. March (368,885), April (346,214) and July (277,363) round out the top five.

Of the five policy types providing hail loss coverage, personal property-homeowners was the most affected with 1,711,094 claims or 62% of the three-year total. It was followed by personal auto with 734,985 claims and personal property – farm with 153,737 claims.

While annual hail damage is generally a function of severe storm frequency and location, what is more predictable is the appearance of unscrupulous contractors— “storm chasers”—who swoop in promising a quick repair. These unsolicited approaches are red flags as nearly all post-storm repair scams begin with an unsolicited visit to a victim by a repair person. NICB urges property owners to use caution when hiring contractors and workers for property repairs.

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