Download the HVACi and StrikeCheck 2025 Annual Claims Reports

New claims data from HVACi and StrikeCheck show how 2026 HVAC and electronics claim decisions 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 unwarranted replacements, lower claim severity, and reduced reopens or disputes, helping to limit unnecessary claims leakage.

The 2025 data highlight several trends:

• 66% of electronics and electrically powered items that StrikeCheck assessed had an inaccurately reported cause of loss.
• 26% of equipment in electronics claims was functioning properly at the time of evaluation.
• 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 changes in 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 risk is greatest in these property claims.

What you’ll get from the HVACi report:

• Which perils were most likely to be reported during certain months and how they compared to the actual cause of loss
• The difference between average claimed amounts and average recommended settlements, representing possible overpayment
• The scope of damage for HVAC systems with confirmed losses from water, hail, and theft / vandalism, even for multi-system large loss claims
• The impacts of the California wildfires on HVAC and refrigeration claims

What you’ll see in the StrikeCheck report:

• Which equipment is most frequently included in electronics claims
• How causes of loss differ depending on the time of year
• Repair vs. replace cost comparisons for a variety of item types
• Information about consumer electronics, solar power equipment, electrical service panels, pool equipment, and appliance claims
• How many items included in California wildfire insurance claims were functioning as designed or had a different cause of loss
• Lightning data showing where and how often lightning was confirmed or excluded through lightning verification reports

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.