Closed Without Payment: Two Senators Ask Insurers Why So Many Claims End at Zero

https://policyholderadvocacygroup.com/senator-hawley-asked-insurers-how-many-hurricane-claims-did-you-deny/ Also read: Senator Hawley’s 2025 letter demanding answers on denied hurricane claims.On October 2, a Democrat and a Republican in the U.S. Senate sent the same letter to six of America’s largest insurers. Senators Elizabeth Warren and Josh Hawley want to know why a growing share of homeowners claims are being closed without any payment at all.

The Letters

The letters went to State Farm, Allstate, USAA, Farmers, Liberty Mutual, and American Family. The senators asked for the companies’ numbers on unpaid claims, the reasons behind them, and any changes to claims handling over the past decade. They noted that premiums climbed about 70 percent between 2019 and 2025 while the chance of a claim paying fell.

How a Claim Ends at Zero

  • The damage is written up below the deductible
  • Part of the loss is blamed on wear, age, or a cause the policy excludes
  • The owner gives up after months of delay and stops pushing
  • The file is closed as withdrawn or no damage found

How To Keep Yours Open and Paid

Claims that pay are claims that are documented. Photograph and video everything before cleanup. Get the full scope measured by someone who works for you. Answer every insurer letter in writing, and track every deadline. A closed claim is not always a finished claim. Source: Claims Journal, October 6, 2026. If your claim was denied or closed without payment, read our Hurricane Isaias claim guide. Also read: Senator Hawley’s 2025 letter demanding answers on denied hurricane claims. Free claim review: call 800.511.2240.
Posted on by Libby Tucker