New Data: Half of All Property Insurance Claims Stem From Wind and Hail

According to the latest national data, it’s more important than ever to make sure it’s ready to handle what nature throws your way. At Next Dimension, we stay on top of both roofing trends and insurance shifts to help Central Florida homeowners make confident, informed decisions. Here’s what you should know.

Wind and Hail: The #1 Cause of Claims

A recent report from Business Insider revealed that wind and hail now account for nearly 50% of all homeowners insurance claims in the United States. That makes them the single biggest factor driving insurance costs, policy changes, and homeowner headaches across the country (source).

These claims aren’t just expensive for insurers—they can be disruptive, stressful, and financially draining for homeowners as well. The damage isn’t always obvious right away either. A small leak or loose shingle might not seem urgent, but over time, it can snowball into a much larger problem. That’s why routine inspections are so critical.

What This Means for Florida

While Central Florida has enjoyed a dry spring and summer so far, meteorologists are closely watching the tropics. The National Oceanic and Atmospheric Administration (NOAA) recently predicted an above-average Atlantic hurricane season, with 18 to 25 named storms expected—including 4 to 6 major hurricanes.

Storms aside, even seasonal thunderstorms can bring enough wind and hail to damage your roof. And with insurance companies tightening policies and raising premiums nationwide, proactive care is the best way to stay ahead of the curve.

Insurance Trends to Watch

Florida’s insurance market is slowly stabilizing after years of turmoil. According to a June 2025 update from Florida Realtors, several insurers are returning to the state, and some premiums are even flattening or decreasing in select areas. But this improved outlook comes with a shift in expectations: insurers want to see that homeowners are doing their part to mitigate risk.

That means:

Getting your roof inspected regularly

Making repairs before they become claims

Using durable, storm-resistant materials like metal roofing

Keeping detailed documentation (which a professional inspection provides)

Homes that show this level of care may be in a better position to negotiate rates or avoid policy issues in the event of a claim.

Fortified Roofs Are Gaining Momentum

Another trend worth noting: AP News recently highlighted a study from Alabama showing that homes built or retrofitted to IBHS Fortified standards experienced up to 74% fewer claims and 40% less damage during major storms (source).

While Florida doesn’t yet require Fortified certification, many of the practices (like enhanced fastening, sealed roof decks, and impact-resistant materials) are already part of our standard roof assessments. These upgrades not only protect your home—they can also give you an edge when it comes to insurance reviews.

What You Can Do Now

We’re not here to scare you. We’re here to help you stay ready. The best time to get your roof inspected is before storm season kicks into full gear—not after a major system rolls through.

Our free roof inspections are conducted by trained professionals who know what to look for, and what your insurance company is likely to care about. You’ll receive photos, video, and expert guidance so you can move forward with clarity and confidence.

Whether your roof is 2 years old or 20, taking action now puts you in control. And if it turns out you need repairs or upgrades? We’ll walk you through your options without pressure or gimmicks.

Schedule Your Free Roof Inspection Today

You don’t need a storm to know your roof matters.

Let’s make sure it’s ready for whatever this season holds.

Call the office or submit the form online to get connected with a Next Dimension expert and schedule your free roof evaluation today.