Tom Luby, a homeowner in Spring Hill, Florida, was twice denied by Citizens Insurance for his nearly $100,000 vandalism claim on his rental property. The property damage is extensive, with stolen and destroyed appliances, significant debris inside and outside the premises, and damaged floors.
As we head into 2026, many homeowners are renewing their insurance policies only to find higher deductibles and more complex coverage terms than in past years. Escalating insurance expenses have become increasingly prevalent over the last several years, forcing homeowners to make difficult decisions about coverage.
According to recent investigative reporting and court filings, “More than 100 Oklahoma families have taken the insurance giant, State Farm, to court, alleging the company schemed to deny hail damage claims and pocket billions of dollars.” (KFOR) The high out-of-pocket costs for roof repairs, often totaling thousands of dollars, have been left to Oklahomans to pay.
A massive explosion and fire at Smitty’s Supply, a lubricant manufacturer in Roseland, Louisiana, forced hundreds of residents from their homes and left the community grappling with both safety and property concerns.
The nation’s largest home insurer, State Farm, is back in the spotlight, this time for refusing to share key data with state regulators. The Illinois Attorney General has filed a lawsuit claiming the company broke the law by withholding information about insurance premiums, nonrenewals, and risk discounts across every U.S. ZIP code, including those in California.
A growing number of Harris County homeowners are being dropped by their insurance companies, leaving many struggling to find new coverage or facing steep premium increases. Recent data reveals the extent of this issue and the factors contributing to it, showing that challenging a property insurance claim denial is an uphill battle.
