What Share of Ohio Roof Insurance Claims Get Denied? What the Data Shows

NAIC data show 76.2 paid claims per 1,000 Midwest Zone policies in 2024 [1]. The NAIC national rate was 71.2 per 1,000 policies [1]. No public source we found reports an Ohio roof claim denial rate.

Nobody publishes an Ohio roof claim denial rate. That's the answer, and it's a useful one.

This page shows what is measured, what isn't, and where popular figures come from. Expect tables and caveats.

Our guide to a denied Ohio roof claim is the how-to. This page is the data reference.

What share of Ohio roof insurance claims get denied?

No regulator or vendor we reviewed in 2026 publishes an Ohio roof denial rate [1]. That absence is the main finding.

The nearest public data is coarse. It covers every peril and every policy form, and it reports by zone or nation.

NAIC filings show $4,683,984,705 in Ohio homeowners premium written in 2024, ranked 10th [4]. Ohio is a big market.

Other numbers fill the gap. They are paid counts, no-payment shares, contractor rules of thumb and insurer statements. None of them is an Ohio roof denial rate.

Where does the 15-25% Ohio roof denial figure come from?

We checked two contractor pages on 2026-09-28 for a source behind the 15-25% Ohio roof denial range.

One page states the range flatly and gives no citation. The other, fetched the same day, carried no denial figure at all. Neither links to a regulator filing or a study.

The range is also absent from the NAIC report [1] and Weiss releases [10]. We can't call the number false. We can say nobody shows where it came from.

Blogs often call the 37% and 42% figures denial rates. They measure something else, covered next.

What do the 37% and 42% no-payment figures really measure?

Weiss Ratings found 37.4% of 8.8 million U.S. homeowners claims closed in 2023 unpaid [10].

Weiss later restated 2023 at 39% and reported 42% for 2024 [11]. The 2024 base was 6.8 million claims received and closed.

Both measures count more than denials. MoneyGeek says its share includes below-deductible and withdrawn claims [12]. Weiss counts every claim closed without payment [11]. Neither publisher splits outright denials from the rest.

Weiss builds the figure from Schedule P Part 3A in insurer annual statements [11]. Those are statutory filings, not an NAIC report or NAIC analysis. So 'per NAIC' is loose.

Counts follow the insurer's domicile, not the state of loss. Ohio claims can't be carved out of them [11].

The NAIC 2026 homeowners report doesn't contain the 42% figure [1]. It analyzes paid claims only.

Stated plainly, a 42% no-payment share doesn't mean 42% of claims were denied. Some sat below the deductible.

Four questions test any claimed rate.

1. What is the denominator: claims filed, closed or paid?
2. Which year and which insurers does the figure cover?
3. Does it include below-deductible and withdrawn claims?
4. Is it counted by state of loss or by insurer domicile?

A rate that can't answer all four isn't a rate you can use.

How does the Midwest compare with the nation on paid claims?

NAIC found 76.2 paid claims per 1,000 Midwest Zone policies in 2024 [1].

The NAIC national rate was 71.2 per 1,000 policies in 2024 [1]. The Midwest total was 1,898,952 paid claims.

Ohio sits in that zone on the NAIC regulator list [2]. So do Kansas, Oklahoma and Nebraska. That makes the zone a loose Ohio proxy at best.

Average paid severity in the Midwest was $13,362 in 2025 dollars, against $13,349 nationally [1]. Severity rose 21.6% from 2018 to 2024 in the zone.

All of this covers every peril and policy form. The word roof does not appear anywhere in the report text we read.

Never apply Weiss percentages to NAIC counts. NAIC counted 7,354,437 paid closures in 2024 [1]. Weiss counted 6.8 million claims received and closed in total [11].

The paid count alone exceeds Weiss's whole universe. Different populations, different denominators.

How much do insurers differ on no-payment shares?

MoneyGeek's 2025 review put Nationwide Mutual, an Ohio-based insurer, at 14.9% closed without payment [12].

Weiss's 2025 list of 15 large insurers ran from 50% to 78% [14]. The top entry was Mid-Century Insurance of Texas at 78%.

Insurer gaps exceed year-to-year changes in the national series [11]. That is worth more attention than the trend line.

USAA disputes the WSJ framing, saying fewer than 6% of its claims were denied [13]. State Farm called the analysis selective interpretation [13]. Both are insurer statements, so they are self-reported.

Domicile matters here. Nationwide Mutual is Ohio-based, but its 14.9% covers all states [12]. Nothing in this table isolates Ohio roofs.

What do Ohio rules say about claim handling?

Ohio Administrative Code 3901-1-54, effective February 14, 2022, sets deadlines for insurer claim handling [17].

These rules cover process. Rules produce no outcome data, so they can't show how often claims pay.

Rule (A) says the rule creates no private cause of action [17]. The ORC 3901.20 page we read names no enforcer or private remedy [18].

Dominish enforced one insurer's one-year suit clause on a tree-fall claim in 2011 [20]. Zoppo set the bad-faith test in 1994 [21]. One case doesn't show what most policies say.

Appraisal timing comes from policy wording, not from these rules. Read your own appraisal clause.

Does my damage estimate clear my deductible?

MoneyGeek's no-payment share includes below-deductible claims [12].

That makes the deductible the first check worth running. Use your own numbers, not ours.

A percent deductible scales with dwelling coverage, while a dollar deductible stays fixed. Either way, the estimate has to clear it first.

What isn't measured about Ohio roof claims?

Seven questions about Ohio roof claims had no public figure in our 2026 review.

The table lists each gap, the reason and the closest proxy.

A usable Ohio figure needs three things. It needs claims by state of loss, a wind flag and a denial-reason code.

NAIC's MCAS collects claims by state, but the public report shows zones only [1]. Regulators could publish the rest. Nobody has.

Two pointers may help. NAIC's MCAS dashboard lists homeowners scorecards by state for 2021 to 2025 [23]. We couldn't confirm which ratios it shows.

An IRC brief describes an MCAS scorecard metric built on claims closed without payment [6]. If an Ohio ratio exists, check there.

NAIC's 2026 data call will collect claims by peril [22]. It will also record actual cash value versus replacement cost. That would be the first roof-relevant payment-terms measure.

What should an Ohio homeowner do with this?

Ohio's insurance regulator logged 8,113 complaints across all lines in 2023 [3]. Claim denial and claim delay were the top reasons.

Use the data to set expectations. Don't use it to predict your claim.

1. Read your declarations page for the deductible and any roof-specific terms.
2. Photograph the damage and date the photos before repairs start.
3. Send claim requests in writing and keep every reply.
4. If denied, ask the insurer to cite the provision it relied on [17].
5. Compare the insurer's dates against the deadlines in the rule table above.
6. Complaints go to the Ohio Department of Insurance. Our how-to page lists steps.
7. Get an independent roof inspection to document condition and damage.

We can't tell you whether a claim will be paid or denied. Public data can't either.

ODI's own complaint pages returned errors when we checked on 2026-09-28. Confirm current steps on the ODI site.

The step-by-step lives in how to file a roof insurance claim in Ohio. For policy shifts, see our news report on 2026 Ohio roof insurance changes.

Our storm damage repair page covers the repair side. Homeowners in Lancaster can request a roof inspection from an independent contractor. We connect homeowners with contractors and don't handle claims.

Frequently asked questions