Filed Under:Agent Broker, Personal Lines Business

Hail insurance claims jumped 48% in 2016

Insurance claims for hail damage in Texas last year exceeded the previous two years combined

(Image: NICB)
(Image: NICB)

Hail damage fluctuates year-to-year, but 2016 was a particularly devastating year across the country.

An analysis of insurance claims from the Insurance Services Office (ISO) ClaimSearch database by the National Insurance Crime Bureau (NICB) showed that after decreasing by 21% from 2014 to 2015, the number of hail claims nationwide jumped 48% to more than 965,000 in 2016.

Across the nation, most hail claims, 55%, were for home damage with personal auto damage, representing 32% of all hail claims.

Texas totaled more than four times as many hail claims as the second leading state, Colorado, and had 39% of all the claims filed last year. San Antonio's devastating hailstorms in 2016 resulted in 68,778 claims with Colorado Springs reporting 33,595.

In March and April 2016 alone, powerful storms with hail caused widespread damage across Texas and the South and Southeast. Each of these storms are estimated by the National Oceanic and Atmospheric Administration (NOAA) to have each caused over $1.2 billion in damage, including a North and Central Texas hail storm in April, 2016 costing an estimated $3.5 billion in damage.

Hail loss claims by policy type (2014-2016)

The policy type “Personal Property Homeowners” was the top policy type with 1,356,543, or 55% of the total number of hail loss claims between 2014 and 2016.

The top 5 policy types below represented 96% of the total hail loss claims during this time.

Hail Loss Claims 2014 - 2016: Top 5 Hail Loss Policy Types

(Source: NICB)

Top 10 cities for hail claims (2014-2016)

The following table represents the top 10 cities with the largest combined total of hail loss claims from 2014 through 2016. The top 10 cities below represented almost 15% of the total hail loss claims for the U.S.

San Antonio was the city with the most hail loss claims between 2014 and 2016, with a total of 81,668. Five (5) of the top 10 cities were located in Texas, the state with the most hail loss claims.

Hail loss claims 2014-2016: Top 10 hail loss cities

(Source: NICB)

The top 10 states with the largest combined total of hail loss claims from 2014 through 2016, represent 71% of the total hail loss claims during this time.

Hail Loss Claims 2014 - 2016: Top 10 Hail Loss States

Download the full NICB report (PDF): "2014-2016 United States Hail Loss Claims."

Related: Summer seasonal hazards, by the numbers 


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