Mid-Century Insurance Company of Texas denied 78% of homeowner claims last year. That's not a typo. Weiss Ratings analyzed 2025 data across the industry. Here's what they found: Mid-Century Insurance of Texas: 78% closed without payment. Lemonade Insurance: 64%. Citizens Property Insurance: 61%. Spinnaker Insurance: 61%. Across the 15 largest insurers studied, more than half of all homeowner claims were closed with zero payout. Nationally, 42% of all homeowner claims from all carriers ended the same way. A decade ago, the five largest insurance groups - Allstate, Farmers, Liberty Mutual, State Farm, USAA - didn't pay on 36% of claims. Last year, that number crossed 44%. These aren't edge cases. This is the business model. When an insurer closes nearly 8 out of 10 claims without payment, the process is designed to find reasons to deny — and it's working. If you've received a denial, don't accept it as final. Get an independent assessment. Review your policy language. The numbers say your insurer's first answer is increasingly likely to be no.