Confidence in Every Claim
HVACi and StrikeCheck 2025 Annual Claims Reports
New claims data from HVACi and StrikeCheck highlights where HVAC and electronics claim decisions in 2026 may be affected when cause of loss and scope of damage are not fully validated.
When supported by objective assessments, residential and commercial insurance claim outcomes may include fewer unnecessary replacements, lower claim severity, and reduced reopens or disputes, helping limit unnecessary claims leakage.
The 2025 data highlights several trends:
- At least 30% of evaluated dishwashers, dryers, refrigerators, and washers in appliance claims were functioning properly at the time of assessment.
- 27% of lightning reports had no lightning found.
- 1 in 5 HVAC and refrigeration systems was in proper working condition at the time of HVACi’s evaluation.
- 50% of systems with verified damage were recommended for repair.
The HVACi and StrikeCheck 2025 annual claims reports include data about misreported causes of loss, unnecessary replacements, and inaccurate parts and labor costs, all of which may contribute to a carrier’s claims leakage. Adjusters who incorporate objective expert testing may be better equipped to make informed decisions without slowing down cycle times.
The reports illustrate trends that impacted insurance carriers last year and will still affect claims in 2026. Use the executive summaries and key insights, along with the graphs, to see where there is the most risk with these property claims.
What'll you'll get from the annnual reports:
Perils by Month
Which perils were most likely to be reported during certain months and how they compared to the actual cause of loss
Avg. Claimed Amounts
The difference between average claimed amounts and average recommended settlements, representing possible overpayment
Scope of Damage
The scope of damage for HVAC systems with confirmed losses from water, hail, and theft / vandalism, even for multi-system large loss claims
Frequently Claimed
Which equipment is most frequently included in electronics claims
Repair vs. Replace
Repair vs. replace cost comparisons for a variety of item types
Wildfire Impacts
The impacts of the California wildfires on HVAC and refrigeration claims
Electronics Claims
Information about consumer electronics, solar power equipment, electrical service panels, pool equipment, and appliance claims
Lightning Data
Lightning data showing where and how often lightning was confirmed or excluded through lightning verification reports
Cause of Loss
How causes of loss differ depending on time of year
Complete the form to access both reports to review where claims decision-making may benefit from additional validation.
Alpine Intel’s content is meant to inform and educate readers using general terms and descriptions. They do not replace expert evaluations that determine facts and details related to each unique claim.
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Related Resources
Tornado Damage Claims: A Comprehensive Guide for Adjusters eBook
Read this eBook to learn about the ways tornadoes can impact property, including structures, HVAC systems, and electronics. Plus, receive tips on how to prepare for claims related to wind and tornadoes.
Unlocking Subrogation Potential in Property Loss Claims eBook
Download this eBook to get actionable strategies for optimizing your subrogation efforts through expert product failure testing.
Hurricane-Related Property Damages eBook
Learn how perils associated with hurricanes affect HVAC equipment, electrical systems and electronics, and structures as well as how you can prepare for hurricane claims.