Insurance claims by state.

Florida sees more property insurance claims than any other state. Between hurricanes, hail, water damage, and sinkholes, the average Florida homeowner files a claim every 8–10 years. Combined with a volatile insurance market where many carriers have withdrawn, getting through the loss draft process efficiently is critical.

Top perils: Hurricane wind, Storm surge, Hail

Texas leads the country in hail damage claims and ranks near the top for wind and hurricane losses on the Gulf Coast. A typical Texas hail season produces thousands of roof replacement claims, each requiring endorsement from mortgage servicers. Getting through the loss draft process in days rather than months is the difference between a completed re-roof and a lawsuit.

Top perils: Hail, Wind, Hurricane (Gulf Coast)

California's insurance market is dominated by wildfire risk, with secondary exposure to earthquake and mudslide perils. Large-loss wildfire claims can run into seven figures and routinely involve multiple disbursement milestones, making the loss draft process uniquely important.

Top perils: Wildfire, Earthquake, Mudslide

Louisiana's exposure to Gulf hurricanes (Katrina, Ida, Laura) has made it one of the most disrupted insurance markets in the country. Homeowners in New Orleans, Baton Rouge, and Lake Charles routinely deal with multiple claim events and chronic servicer delays.

Top perils: Hurricane, Flood, Wind

Colorado combines "Hail Alley" on the Front Range with growing wildfire risk. The state sees major hail events almost every spring, generating tens of thousands of roof replacement claims that all flow through the loss draft process.

Top perils: Hail, Wildfire, Wind