Shock analysis shows five major US home insurance firms only paid 50% of claimsBookmark popoverRemoved from bookmarksClose popoverA 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.