John Esker

Among the five biggest home insurers, ~44% of claims ended unpaid, versus ~36% in 2016, making policy review essential before disaster season.
Higher deductibles are a major reason claims miss payouts, especially when owners choose them for lower premiums or riskier coverage requires them.
Disaster policies may use percentage-based deductibles, risk-specific terms, and tighter roof standards, so homeowners should understand exclusions before filing claims or renewing coverage.
Standard homeowners policies exclude natural flooding and earthquakes, but separate flood and earthquake coverage may be available through public or private options.
A sector group saw early signs of market stabilization and hoped homeowners insurance would return to profitability during 2026, after difficult recent conditions.

US Home Insurance Claims Need Closer Review

Open enrollment is the annual window to enroll, switch, cancel, or adjust health, dental, and vision coverage through marketplace, employer, or senior plans.
Marketplace windows usually run from Late-Fall into Mid-Winter, while employer coverage often opens in Late-Fall and senior plan windows differ by type.
Outside enrollment, a qualifying life event may unlock changes; income-based public programs can accept eligible applicants anytime, including coverage loss, marriage, moves, or household changes.
If no special enrollment applies, temporary health plans or healthcare-sharing groups may help, but they can limit benefits, eligibility, or protections significantly.
For the next enrollment round, review expected care, prescriptions, dependents, provider access, premiums, and out-of-pocket costs before choosing coverage for your household.