06/02/2026
A recent Wall Street Journal report highlights a jarring reality. Nearly half of all home insurance claims now result in a zero dollar payout.
If you look at the data in the chart from the image, the variation between the ten biggest insurance groups is massive. What is most fascinating is that some of the most popular, heavily advertised companies are actually the ones denying the most claims.
Based on our experience at Trunnell Insurance, a major factor driving up these un-paid claims is “storm chasers.” These are out-of-state contractors who knock on doors after a storm, convincing homeowners they are entitled to a free new roof when there is no actual visible damage.
This data proves there is much more to a good insurance company than being well known. Most television advertising is garbage making impossible promises completely unrelated to how the industry actually works.
When you buy a policy based on a catchy commercial instead of actual claim-handling performance, this chart shows what happens when you finally need to use it.
Are you surprised by where your current insurance carrier sits on this chart? Let us know in the comments, or send us a private message to see which companies are actually paying out claims in our area.
