| Indicator | Figure and period | What it establishes | What it does not establish |
|---|---|---|---|
| Historical homeowners workload | Approximately 2.85 million paid-claim closures, calculated from Treasury’s rounded 2022 sample inputs | A sizeable historical workload within sampled private homeowners policies | Current national claims volume or external production penetration. (home.treasury.gov) |
| Homeowners claim frequency | 5.33 claims per 100 house-years in 2023, versus 6.37 in 2020 | Frequency can fall even while other insurance costs rise | A current-year national count; the ISO series excludes tenants, condominium policies, Alaska, Texas and Puerto Rico. (iii.org) |
| Hurricane Milton residential workload | 304,408 residential property claims, reported as of 9 December 2025 | Event-specific workload in Florida’s reporting population | A routine annual run rate; residential includes several subcategories. (floir.gov) |
| Hurricane Milton all-line workload | 385,146 total claims at the same reporting date | Scale across reported lines | Residential production demand: the total includes motor and other lines. OIR says the submissions are not audited or independently verified. (floir.gov) |
| Adjacent estimating activity | XBuild reported 15,000+ completed projects on 20 January 2026 | Adoption of its construction-estimating product | Carrier-approved files or production-service revenue. (prnewswire.com) |
Why are paid claims and production files different denominators?
A payment-based dataset omits some work that may still require documentation. Florida’s Milton table separately reports claims closed without payment, while Treasury’s underlying paid-claim field measures closures with payment. Neither is automatically a count of estimates prepared or files purchased from suppliers. (floir.gov)
For a carrier procurement exercise, build the denominator from operational records:
- Unique claims assigned for production.
- Assignments rejected before work began.
- Estimates or document packages delivered.
- Revision rounds and supplements.
- Files accepted against the agreed standard.
- Unresolved files and their accumulated cost.
This proposed reconciliation is also the foundation for a credible first-pass acceptance rate.
Sources cited on this page
- home.treasury.govhome.treasury.gov
- iii.orgiii.org
- floir.govfloir.gov
- prnewswire.comprnewswire.com