# ROOF INSURANCE CLAIMS STATISTICS & DATA TO KNOW IN 2026 REFERENCE > Understand roof insurance claims statistics, including claim estimates, roof-condition associations and depreciation, with residential and commercial limits. Canonical: https://commercialroofingadvisors.com/resources/roof-insurance-claims-statistics Last updated: 2026-08-24 Roof claims, condition and depreciation statistics with the dataset, denominator and limits preserved. [Talk to an advisor](https://commercialroofingadvisors.com/contact) Resources [Verisk's 2026 U.S. Roof Report](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf) recorded $23.0 billion in 2025 roofing RCV estimates within its Xactimate subset. Those are estimates for a market subset, not a census of insurance payments. This reference separates roof-specific evidence from broader home-insurance context. Its latest full-year findings describe 2025 and were published in 2026. Most of the available national evidence concerns residential properties. Commercial owners can use it to understand reporting patterns, but it cannot establish a commercial building's coverage, damage, claim value or expected settlement. ## Key roof insurance claims statistics at a glance - [Verisk's 2026 U.S. Roof Report](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf) recorded $23.0 billion in 2025 roofing RCV estimates in its Xactimate subset, not national paid losses. - [Verisk](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf) classified 33% of all 2025 roofing claim assignments as catastrophe hail. - [Verisk](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf) classified 19% of all 2025 roofing claim assignments as catastrophe wind. - [Verisk's 2026 report](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf) associated moderate-to-poor roof condition with 60% higher loss costs in its 2025 baseline. - [Verisk's 2026 report](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf) classified 38% of US residential roofs as moderate to poor through aerial-image analysis in its 2025 baseline. - [Verisk](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf) found nonrecoverable depreciation in nearly 20% of roofing claim assignments in 2025. - [LexisNexis Risk Solutions](https://risk.lexisnexis.com/about-us/press-room/press-release/20260722-home-trends-report) reported home-insurance all-peril severity rose 25.9% from 2024 to 2025. - [LexisNexis Risk Solutions](https://risk.lexisnexis.com/about-us/press-room/press-release/20260722-home-trends-report) reported home-insurance all-peril frequency fell 23.8% over that period. - [LexisNexis Risk Solutions](https://risk.lexisnexis.com/about-us/press-room/press-release/20260722-home-trends-report) reported home-insurance all-peril loss cost fell 4.4% over that period. Verisk RCV values are claim-subset estimates, not insurance payments. The hail and wind percentages use all roofing claim assignments as their denominator. ## How large were roof claim estimates in 2025? $23.0 billion was the total 2025 roofing replacement cost value in the Xactimate subset reported by [Verisk](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf). The report says these are claim estimates rather than amounts paid. The total combines the estimates included under the report's selection rules. It should not be captioned as all US roof insurance payments or all money spent replacing roofs. “Replacement cost value” is an estimating measure and does not mean every included roof was fully replaced. That distinction helps an owner read a claims report without confusing a market observation with a settlement. An estimate describes the work and values recorded at a point in the process. The final amount paid can answer a different question and may be affected by the policy and documented loss. Keep the source population visible when comparing annual totals. A change in the total can reflect the number and mix of claims, their estimated severity and the types of weather events represented. The total alone cannot identify which factor changed. ## What proportion of roof claims were catastrophe hail or wind? 33% were catastrophe-hail assignments and 19% were catastrophe-wind assignments in Verisk's 2025 roofing claims data, according to its [2026 report](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf). The denominator is all roofing claim assignments in the reported dataset. This is different from saying hail made up that share of catastrophe claims alone. Changing the denominator changes the meaning. It is different again from a share of dollars, because claim volume and estimate value are separate measures. A “catastrophe” classification belongs to the dataset's claims framework. It is not a statement that smaller or unclassified storms cannot damage a roof. An individual property needs its own weather history, condition record and findings. For a commercial portfolio, store the event, building and roof-area references together. The same event may raise different questions at different properties. A report that links photographs to roof zones is more useful than a large collection of images without location or date context. ## How does roof condition relate to loss cost? 60% higher loss costs were associated with moderate-to-poor roofs versus good-to-excellent roofs in [Verisk's 2025 condition baseline](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf). This is an observed association in the company's analytics, not a guaranteed savings rate from a repair program. The result does not show that every building in a lower condition category will have a claim. Nor does it establish that moving a roof into another category will reduce that property's loss by the same percentage. A condition comparison can identify a relationship without proving the effect of a particular intervention. The practical use is to give condition evidence a place beside age and weather exposure. A roof's installation date provides history. A current inspection records what can be observed now. Both can be useful, and neither should be silently substituted for the other. A [commercial roof condition report](https://commercialroofingadvisors.com/services/roof-condition-reporting) should state what was inspected, what could not be confirmed and how the findings support the recommended work. An image-based score can inform a review, but the score and a field assessment remain different records. ## How many residential roofs showed condition concerns? 38% fell in the moderate-to-poor group in the 2025 aerial-analysis baseline described by [Verisk](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf). That is a classification of visible residential roof condition, not a count of roofs proven to be leaking. The category should not be relabeled a commercial roof failure rate. It should not be described as a share of insurance claims denied. Those outcomes need their own data, definitions and observation periods. For an owner, the value of a condition record is its detail. Photographs and observations should identify the roof area, system, defect and assessment limits. Record recommendations separately from work already completed. A dated history gives future reviewers a basis for comparing conditions instead of reconstructing them from memory. CRA's [post-storm response guide](https://commercialroofingadvisors.com/roof-report/post-storm-roof-response-playbook) explains why a pre-event record and post-event documentation belong in the same property file. The goal is to connect the weather, observed condition and work scope without treating the timing of a storm as proof of every defect's cause. ## How common was nonrecoverable depreciation in roof claims? Nearly 20% of 2025 roofing claim assignments included nonrecoverable depreciation in [Verisk's analysis](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf). That measures its presence in assignments, not the percentage deducted from every roof claim. A frequency measure cannot tell an individual owner the amount recoverable under a policy. The scope of loss, policy wording, endorsements, deductibles and claim documents need to be reviewed for that property. The national figure does not decide those terms. Read the measure's label carefully before reusing it in a presentation. “Assignments with nonrecoverable depreciation” is not the same as “claims denied,” “average depreciation” or “owner out-of-pocket percentage.” Those labels describe different outcomes and should never share a statistic. Property teams can make this easier by keeping the estimate and settlement records distinct from the maintenance and capital budget. The same roof may appear in all of those files, but each file serves a different purpose. ## Can claims become more expensive when frequency falls? Home-insurance all-peril severity rose 25.9% as frequency fell 23.8% from 2024 to 2025 in the [2026 LexisNexis U.S. Home Trends Report](https://risk.lexisnexis.com/about-us/press-room/press-release/20260722-home-trends-report). All-peril loss cost fell 4.4% over the same period. These figures are broader home-insurance context, not roof-only statistics. They illustrate why “fewer claims” and “less expensive claims” are not interchangeable statements. They do not establish an identical trend for commercial roofs. Frequency measures how often claims occur relative to exposure. Severity describes the size of claims. Loss cost connects losses to the exposure base. A report can show those measures moving in different directions without any contradiction. When comparing datasets, keep the population, period and measure the same. A carrier's payments, a claims platform's estimates and a home-insurance trend report can each be useful. They cannot be combined into a single trend simply because all mention roofs or weather. ## A roof record that supports the next decision Commercial Roofing Advisors helps owners organize condition evidence and define the work a commercial roof requires. A dated [roof condition report](https://commercialroofingadvisors.com/services/roof-condition-reporting) gives the property team a clearer basis for repairs, replacement planning and conversations with the relevant project and insurance professionals. ### Related resources [US Commercial Roof Area and Building Stock Statistics for 2026](https://commercialroofingadvisors.com/resources/commercial-roof-area-statistics)[Commercial Roofing Industry Statistics & Data to Know in 2026](https://commercialroofingadvisors.com/resources/commercial-roofing-industry-statistics)[Commercial Roofing Materials and Membrane Statistics for 2026](https://commercialroofingadvisors.com/resources/commercial-roofing-materials-statistics)[Cool Roof and Roofing Energy Savings Statistics for 2026](https://commercialroofingadvisors.com/resources/cool-roof-statistics)[Explore all resources](https://commercialroofingadvisors.com/resources)[Discuss your roof or portfolio](https://commercialroofingadvisors.com/contact)