Overview
Wind and hail dominate U.S. homeowner property claims, with average roof payouts above $11,000 on RCV policies.
Key Numbers
Average roof claim payout (RCV)
$11,400
Average roof claim payout (ACV)
$7,200
Wind + hail share of all property claims
~50%
Industry Context
More carriers are shifting older roofs to ACV, reducing payouts on aging shingles.
Data Sources
- State Departments of Insurance
- Insurance Information Institute
FAQs
Will filing a claim raise my premium?
It can — frequency and claim type both influence rate changes at renewal.