LexisNexis® Risk Solutions released its 10th annual LexisNexis U.S. Home Trends Report on October 23, 2025, providing an updated analysis of by-peril claims trends in the U.S. home insurance industry. The report aims to help carriers make more informed, strategic decisions.
The report highlighted that catastrophe claims accounted for nearly two-thirds of all losses, marking the highest level observed in the seven years included in the study. This trend is driven by climate-driven catastrophes intensifying and inflation continuing to drive up repair and replacement costs.
George Hosfield, vice president, home insurance, LexisNexis Risk Solutions, emphasized that the sharp rise in severity across multiple perils underscores the need for carriers to leverage more advanced property data insights. This approach, from roof condition to water damage risk, can lead to more informed underwriting decisions and enhanced resilience in a volatile market.
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