A Nationwide Winter Storm Is About To Reshape Insurance Losses And Property Risk Across The U.S.

The Claims Surge Has Already Begun

As this system advances, insurers are bracing for a surge in property and casualty claims that will test adjuster capacity nationwide. Residential claims related to frozen and burst pipes are expected to dominate early filings, followed by water damage discovered during thaw cycles. Roof failures, particularly on older homes and flat-roof commercial buildings, are likely to emerge as the storm lingers.

Commercial policyholders face a different but equally serious exposure. Power outages and impassable roads disrupt operations, interrupt supply chains, and spoil inventory. Business interruption claims often follow, and those claims tend to be among the most contested, especially when policies include narrow definitions of covered perils or strict causation language tied to physical damage.

Auto insurers are also exposed as icy conditions contribute to multi-vehicle collisions and total losses, particularly in regions unaccustomed to extended winter driving hazards.