id,value,measures,sample_size,method,source_org,year,live_url,tier,self_reported_or_independent
F01,"76.2 per 1,000 policies","Midwest Zone homeowners claims closed WITH payment per 1,000 policies in force (Ohio is in the Midwest Zone)","1,898,952 paid claims; 24,907,688 policies in force","NAIC Market Conduct Annual Statement (MCAS), state-reported, excludes Puerto Rico and North Dakota; company-level data aggregated by NAIC zone; companies with over $50,000 direct premium written per state",NAIC CIPR (Czajkowski and Harms),2024,https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf,1,independent
F02,"71.2 per 1,000 policies","National homeowners claims closed WITH payment per 1,000 policies in force","7,354,437 paid claims; 103,289,334 policies in force","NAIC Market Conduct Annual Statement (MCAS), state-reported, excludes Puerto Rico and North Dakota; company-level data aggregated by NAIC zone; companies with over $50,000 direct premium written per state",NAIC CIPR (Czajkowski and Harms),2024,https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf,1,independent
F03,"90.1 / 63.4 / 45.7 per 1,000 policies","Southeast / Western / Northeast Zone claims closed WITH payment per 1,000 policies","2,583,640 / 2,153,743 / 718,102 paid claims","NAIC Market Conduct Annual Statement (MCAS), state-reported, excludes Puerto Rico and North Dakota; company-level data aggregated by NAIC zone; companies with over $50,000 direct premium written per state",NAIC CIPR (Czajkowski and Harms),2024,https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf,1,independent
F04,"1,898,952 paid claims (26% of national)",Number of Midwest Zone homeowners claims closed with payment,"24,907,688 policies in force (24.1% of national)","NAIC Market Conduct Annual Statement (MCAS), state-reported, excludes Puerto Rico and North Dakota; company-level data aggregated by NAIC zone; companies with over $50,000 direct premium written per state",NAIC CIPR (Czajkowski and Harms),2024,https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf,1,independent
F05,"$13,362","Midwest Zone average incurred loss per paid homeowners claim, inflation-adjusted to 2025 dollars (national $13,349)","$98.161B incurred losses / 7,354,437 paid claims nationally",MCAS claim counts linked to NAIC financial data by company code; PCE-adjusted,NAIC CIPR (Czajkowski and Harms),2024,https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf,1,independent
F06,+21.6%,"Midwest Zone change in inflation-adjusted average claim severity, 2018 to 2024",Same as F05,"MCAS-linked estimate, 2025 dollars",NAIC CIPR (Czajkowski and Harms),2024,https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf,1,independent
F07,"14.2 per 1,000 policies (352,847)","Midwest Zone company-initiated homeowners nonrenewals per 1,000 policies in force; national 19.6 (2,019,799)","24,907,688 Midwest policies; 103,289,334 national","NAIC Market Conduct Annual Statement (MCAS), state-reported, excludes Puerto Rico and North Dakota; company-level data aggregated by NAIC zone; companies with over $50,000 direct premium written per state",NAIC CIPR (Czajkowski and Harms),2024,https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf,1,independent
F08,"$1,476","Midwest Zone average homeowners direct premium written per policy (Southeast $1,818; Northeast $1,396)",$36.8B DPW / 24.9M policies,"NAIC Market Conduct Annual Statement (MCAS), state-reported, excludes Puerto Rico and North Dakota; company-level data aggregated by NAIC zone; companies with over $50,000 direct premium written per state",NAIC CIPR (Czajkowski and Harms),2024,https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf,1,independent
F09,Ohio is in the NAIC Midwest Zone,Zone membership used to map NAIC zone statistics to Ohio,"13 Midwest Zone jurisdictions listed (IL, IN, IA, KS, MI, MN, MO, NE, ND, OH, OK, SD, WI)",NAIC regulator membership list,NAIC,2026,https://content.naic.org/sites/default/files/regulator-members-by-zone.pdf,1,independent
F10,"8,113 complaints; 16,657 inquiries; $11,209,998 saved or recovered","Ohio Dept of Insurance Office of Consumer Affairs workload, all insurance lines","Ohio, all lines (health and auto most complained)","ODI annual report, self-reported",Ohio Department of Insurance,2023,https://dam.assets.ohio.gov/image/upload/insurance.ohio.gov/AboutODI/AR/Documents/2023AnnualReport.pdf,1,self-reported (regulator)
F12,"$4,683,984,705; ranked 10th",Ohio homeowners multiple peril direct premium written in-state,"Ohio, NAIC annual statement filings",NAIC financial filing database,"NAIC (Key Facts, Ohio)",2024,https://content.naic.org/sites/default/files/publications-key-facts-market-trends-ohio.pdf,1,independent
F13,"$871 (7th lowest); national $1,311",Ohio average homeowners insurance premium,"Ohio, NAIC data",NAIC average premium report as cited by ODI,Ohio Department of Insurance,2020,https://dam.assets.ohio.gov/image/upload/insurance.ohio.gov/AboutODI/AR/Documents/2023AnnualReport.pdf,1,self-reported (regulator)
F14,$995,Ohio average homeowners premium,"Ohio, NAIC data",NAIC average expenditure as republished by Triple-I,Triple-I,2022,https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance,2,self-reported (industry trade group)
F15,"$1,559; 2.09% of median household income",US average homeowners insurance expenditure and affordability index,US; NAIC expenditure data and Census median income; 2023-2024 are Triple-I projections,IRC affordability index = average expenditure / median household income,Insurance Research Council,2022,https://insurance-research.org/sites/default/files/2025-08/2025%20Homeowners%20Insurance%20Affordability%20Research%20Brief.pdf,2,self-reported (industry-funded research arm)
F16,5.64 claims per 100 house-years,"National homeowners claim frequency (paid claims), 2019 to 2023 average",ISO/Verisk homeowners data,"Paid-claim frequency, 5-year average",Triple-I (ISO/Verisk data),2023,https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance,2,self-reported (industry trade group)
F17,42.5%,Wind and hail share of homeowners property damage losses,"US, ISO/Verisk",Loss share by cause,Triple-I (ISO/Verisk data),2023,https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance,2,self-reported (industry trade group)
F18,Nearly $31 billion; over one quarter of residential claim value,US residential roof-related repair and replacement claim cost; roof line items share of claim value,Verisk claims estimating data (sample size not disclosed),Roof line items from Verisk estimate data; Roof Condition Score and aerial imagery analytics,Verisk,2024,https://www.globenewswire.com/news-release/2025/04/08/3057591/0/en/U-S-Roof-Claims-Costs-Reached-Over-30-Billion-In-2024-Underscoring-Evolving-Risks.html,2,self-reported (vendor)
F19,"$17,631 replacement; $4,699 repair","US average residential roof replacement and repair cost, 2025 (replacement +33%, repair +25% vs prior four-year average)",Verisk 2026 U.S. Roof Report (sample not disclosed),Verisk claims data; roofing about 30% of claim estimate line items,Verisk,2025,https://www.insurancejournal.com/magazines/mag-features/2026/06/22/874418.htm,2,self-reported (vendor)
F20,17% of Midwest roofs are 31+ years old (Northeast 18%),"Share of residential roofs aged 31 years or older, Midwest region",Verisk roof age data (sample not disclosed),"Verisk permit, aerial imagery and assessor data",Verisk,2025,https://www.insurancejournal.com/magazines/mag-features/2026/06/22/874418.htm,2,self-reported (vendor)
F21,"702 of 1,000; 40.7 days to final payment; nearly 1 in 5 dissatisfied",National homeowners property claims satisfaction and average days to final payment,"5,093 homeowners who filed a claim within prior nine months","Survey, fieldwork December 2024 to December 2025",J.D. Power (via Claims Journal),2026,https://www.claimsjournal.com/news/national/2026/03/18/336327.htm,2,independent
F22,37.4% of 8.8 million,"Share of US homeowners claims closed with no payment, 2023, all reporting companies",8.8 million claims closed in 2023,"Company annual statement Schedule P Part 3A (homeowners/farmowners), claims closed with vs without payment, aggregated by Weiss; counted by insurer domicile not state of loss",Weiss Ratings,2023,https://weissratings.com/en/weiss-news/large-property-insurers-respond-to-climate-change-by-denying-homeowner-claims,2,independent (commercial ratings firm)
F23,42% (39% in 2023; 25.7% in 2004),"Share of US homeowners claims closed without payment, all carriers, 2024",6.8 million claims received and closed in 2024,"Company annual statement Schedule P Part 3A (homeowners/farmowners), claims closed with vs without payment, aggregated by Weiss; counted by insurer domicile not state of loss",Weiss Ratings,2024,https://weissratings.com/en/weiss-news/14-large-u-s-insurers-closed-nearly-half-of-homeowner-claims-with-no-payment-in-2024,2,independent (commercial ratings firm)
F24,41.3%,"Weighted average share of homeowners claims closed with no payment across 124 insurers, 2025","124 insurers with at least 2,000 claims closed","NAIC Schedule P filings 2025; large insurer = $1M+ HO premium, 30%+ of business, 5,000+ claims",MoneyGeek,2025,https://www.moneygeek.com/insurance/homeowners/home-insurance-claim-denial-rates/,2,independent (comparison site)
F25,14.9%,Share of homeowners claims closed with no payment at Nationwide Mutual Insurance Co. (Ohio-based insurer),"Company total, all states",NAIC Schedule P filings 2025,MoneyGeek,2025,https://www.moneygeek.com/insurance/homeowners/home-insurance-claim-denial-rates/,2,independent (comparison site)
F26,44% (36% a decade earlier),"Share of homeowners claims resolved with no payment at the five largest home insurers (Allstate, Farmers, Liberty Mutual, State Farm, USAA), 2025",Five insurance groups,WSJ analysis of 2025 NAIC Schedule P filings (WSJ original not fetched),Wall Street Journal (via Yahoo Finance),2025,https://finance.yahoo.com/sectors/healthcare/articles/big-five-home-insurers-didnt-pay-out-on-nearly-half-of-claims-last-year-analysis-says-224514190.html,3,independent
F27,50% to 78%,"Range of no-payment shares at 15 large insurers that closed at least half of claims with no payment, 2025","15 insurers (each 5,000+ claims, $1M+ HO premium, 30%+ of business)","Company annual statement Schedule P Part 3A (homeowners/farmowners), claims closed with vs without payment, aggregated by Weiss; counted by insurer domicile not state of loss",Weiss Ratings,2025,https://weissratings.com/en/weiss-news/15-large-u-s-insurers-denied-more-than-half-of-homeowner-claims-in-2025,2,independent (commercial ratings firm)
F28,31.9% (State Farm); 42% industry,"State Farm claims closed with no payment; industry average of insurers reviewed, 2024",Weiss analysis of largest insurers (article says 143),Weiss Ratings analysis as reported by WCPO,WCPO Cincinnati (citing Weiss Ratings),2024,https://www.wcpo.com/news/local-news/i-team/stormy-weather-is-changing-the-rules-for-homeowners-insurance-heres-how-you-can-adapt,3,independent
F29,"16,264 to 18,282 (+12.4%)","National homeowners complaints (formal, NAIC data) 2024 vs 2025",National formal complaints,Analysis of NAIC complaint data,Insurify (citing NAIC),2025,https://insurify.com/homeowners-insurance/news/rising-consumer-complaints-in-2025/,3,independent
F30,15 days,Ohio: insurer must acknowledge a claim within 15 days and respond within 15 days to claimant communications,Ohio rule text,"Ohio Administrative Code 3901-1-54(F)(2) and (F)(3), effective Feb 14, 2022",Ohio Department of Insurance rule text on codes.ohio.gov,2022,https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54,1,independent
F31,21 days; every 45 days,"Ohio: insurer must accept or deny within 21 days of proper proof of loss, else explain and update in writing at least every 45 days",Ohio rule text,OAC 3901-1-54(G)(1),Ohio Department of Insurance rule text on codes.ohio.gov,2022,https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54,1,independent
F32,10 days; 60 days,Ohio: pay within 10 days of acceptance if amount is undisputed (G)(6); notify claimant at least 60 days before a limitation expires if not represented by counsel (G)(5),Ohio rule text,OAC 3901-1-54(G)(5) and (G)(6),Ohio Department of Insurance rule text on codes.ohio.gov,2022,https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54,1,independent
F33,Reasonably comparable appearance,"Ohio matching rule: replace as much of an item as needed for a reasonably comparable appearance when the replacement does not match in quality, color or size",Ohio rule text,OAC 3901-1-54(I)(1)(b),Ohio Department of Insurance rule text on codes.ohio.gov,2022,https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54,1,independent
F34,One year,Ohio Supreme Court enforced a homeowners policy clause requiring suit within one year after the date of loss (tree fall claim; suit filed almost two years after loss),"One case, decided Aug 23, 2011","Dominish v. Nationwide Ins. Co., 129 Ohio St.3d 466, 2011-Ohio-4102",Supreme Court of Ohio,2011,https://www.supremecourt.ohio.gov/rod/docs/pdf/0/2011/2011-Ohio-4102.pdf,1,independent
F35,Reasonable justification,Ohio bad faith standard: an insurer fails to act in good faith when refusal to pay is not predicated on circumstances that furnish reasonable justification,One case,"Zoppo v. Homestead Ins. Co., 71 Ohio St.3d 552, 644 N.E.2d 397",Supreme Court of Ohio (via vLex),1994,https://case-law.vlex.com/vid/zoppo-v-homestead-ins-892401255,1,independent
F36,Unfair or deceptive practice prohibited,ORC 3901.20 forbids unfair or deceptive acts in the business of insurance; ORC 3901.21 (P) lists using a pattern settlement as the basis of a settlement offer,Statute text,Ohio Revised Code 3901.20 and 3901.21,Ohio Legislature (codes.ohio.gov),2026,https://codes.ohio.gov/ohio-revised-code/section-3901.20,1,independent