Deductibles Are Climbing Fast
Average homeowner insurance deductibles rose 22% in 2025, on top of a 15% rise in 2024, per Verisk's 2025 US Roof Report. A rising deductible means a bigger out-of-pocket exposure on the next claim, which shifts the homeowner's math: waiting for a storm to force the decision gets more expensive every year the roof goes unreplaced, independent of whatever the storm itself ends up costing.
Insurers Are Pricing Roof Age Directly Into the Premium
The premium differential between a roof under 5 years old and one aged 11 to 15 years widened from $49 in 2022 to $155 in 2025. That gap is not tied to a claim event at all, it is a recurring annual cost of carrying an older roof, separate from whatever the eventual repair or replacement bill turns out to be. Insurers are pricing roof age with increasingly granular data, and that pricing shows up on every renewal, not just after a storm.
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Book a Roofing CallClaims Are Getting More Severe, Not Just More Frequent
Non-catastrophic wind and hail claims rose from 17% of all residential claims in 2022 to 25% in 2024, meaning more of the claim volume is coming from routine wind and hail events, not only major catastrophes. At the carrier level, State Farm alone paid over $5.6 billion in hail-related claims in 2025, with Texas leading at $1.4 billion. Severity is rising alongside frequency, which is a different, and in some ways more sustainable, growth pattern in claim volume than a single bad storm season.
What Rising Severity Means for Qualifying an Appointment
With deductibles and age-based premiums both climbing, the homeowners with the strongest financial incentive to act are increasingly identifiable by roof age and insurance status, not only by visible storm damage on the shingles. That is a real input for qualification criteria: a homeowner on an aging roof facing a widening premium gap has a standing reason to take a serious appointment even outside a storm-driven timeline, and criteria built around age and claim exposure will surface more of those homeowners than criteria built around visible damage alone.
Sources
The external data in this article draws on the sources below. Figures described in the text as estimates or industry triangulations are directional and are not attributed to a single dataset.
- Insurance Business Magazine, Verisk 2025 US Roof Report
- State Farm Newsroom, State Farm paid over $5.6 billion in hail claims in 2025