SECTION 1: Introduction

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1 Date: Regarding: Texas Questionable Roofing Claims Prepared By: Yvonne Navarrette, Field Information Analyst, Southwest Region SECTION 1: Introduction A Questionable Insurance Claim is one that does not appear in all respects to meet the requirements for a valid insurance claim. It may contain outright falsehoods, elements of exaggeration, or include one or more indications of possible insurance fraud. Questionable Claims are submitted to NICB by Member Companies. This report analyzes the Questionable Roofing Claim Referrals (Roofing QCs) in Texas (TX). A QC was associated with TX if the Loss State field contained TX and the referral text included the word roof or shingle. The data included in this report is for QCs submitted in the years 21, 211, and 212 and was retrieved from the NICB Questionable Claim referrals data. Section 2 of this report analyzes the Texas Roofing QCs as they compare to the Texas QCs as a whole. Section 3 analyzes the Texas Roofing QCs by loss city, policy type, loss type, and referral reasons. Section 4 is the conclusion. Section 5 details the methodology used in the analysis of the Texas Roofing QCs. SECTION 2: Roofing QCs compared to Total QCs In 21, the total QCs in Texas was 7,52. Of those, 37 were Roofing QCs which represents 4.92% of the total QCs. In 211, the total QCs in Texas was 8,16. Of those, 381 were Roofing QCs which represents 4.75% of the total QCs. In 212, the total QCs in Texas was 1,368. Of those, 557 were Roofing QCs which represents 5.37% of the total QCs. The total QCs for the three years was 25,94; of those 1,38 were Roofing QCs which represents 5.5% of the total QCs. The increase of Roofing QCs from 21 to 211 was 3% and from 211 to 212 was 46%. The following table and graph illustrate the percentage of Total QCs. Texas QCs and Roofing QCs Year Roofing QCs Total QCs Percentage of Total QCs that are Roofing QCs % % % Totals %

2 Page 2 of 8 Texas QCs and Roofing QCs Roofing QCs Total QCs Percentage Totals Section 3: Loss City, Policy Type, Loss Type, Referral Reasons Loss City The tables and graph below illustrate the Top 1 cities for 212 along with the number of Roofing QCs those same cities had in 211 and 21. El Paso was ranked 1 st in all three years. Dallas was ranked 2 nd in 212, 5 th in 211, and 6 th in 21. Arlington was ranked 3 rd in 212 and 2 nd in 21 and 211. All three years showed a significant amount of Roofing QCs where the loss city was left blank; 85 blanks in 212, 63 blanks in 211, and 57 blanks in 21. Top Ten Cities in 212 Rank Loss City 212 Roofing QCs 211 Roofing QCs 21 Roofing QCs 1 EL PASO DALLAS ARLINGTON FORT WORTH GARLAND HOUSTON PLANO SAN ANTONIO GRAND PRAIRIE MCKINNEY 13 2

3 Page 3 of 8 Top Ten Cities in 212 Roofing QCs Top Ten Cities in 211 Rank Loss City 211 Roofing QCs 1 EL PASO 64 2 ARLINGTON 24 3 HOUSTON 23 4 FORT WORTH 19 5 DALLAS 16 6 SAN ANTONIO 15 7 IRVING 7 7 KATY 7 7 SUGAR LAND 7 1 BURLESON 5

4 Page 4 of 8 Top Ten Cities in 21 Rank Loss City 21 Roofing QCs 1 EL PASO 72 2 ARLINGTON 33 3 HOUSTON 3 4 SAN ANTONIO 19 5 KATY 12 6 DALLAS 9 7 THE WOODLANDS 8 8 FORT WORTH 7 8 SPRING 7 1 AUSTIN 6 Policy Type The tables and graph below illustrate all Policy Types in descending order for 212 along with the number of Roofing QCs those same Policy Types had in 211 and 21. Homeowners was the policy type that had the most Roofing QCs in all three years. Policy Type 212 Roofing QCs 211 Roofing QCs 21 Roofing QCs Homeowners Fire - Personal Commercial Multi Peril Commercial Property Other Other Business Owners Fire - Commercial General Liability 2 1 Mobile Home 2 3 WC & Employers Liability 3

5 Page 5 of Loss Type The tables and graph below illustrate all Loss Types in descending order for 212 along with the number of Roofing QCs that those same Loss Types had in 211 and 21. Hail was the loss type that had the most Roofing QCs in 212 and 211. Wind was the loss type that had the most Roofing QCs in 21. Loss Type 212 Roofing QCs 211 Roofing QCs 21 Roofing QCs HAIL WIND OTHER PERILS WATER VANDALISM & MALICIOUS MISCHIEF FIRE LIGHTNING COLLAPSE 1 1 FLOOD 1 FALLING OBJECTS 1 SMOKE 1 LIABILITY 3 INDEMNITY 3 OTHER 1 1

6 Page 6 of Referral Reasons The table and graph below illustrate Referral Reasons shown in the referral text in descending order for 212 along with the number of Roofing QCs that those same Referral Reasons were shown in for 211 and 21. Hail Damage was the number one referral reason in all three years. Each referral had one or more referral reasons. Referral Reasons 212 Roofing QCs 211 Roofing QCs 21 Roofing QCs Hail Damage Mechanical Damage Wind Damage Prior Damage Water Damage No Weather Misrepresentation Manufactured Damage Damage not Consistent Man-made Damage Hurricane Inflated Damage 1 2 1

7 Page 7 of Section 4: Conclusion The number of Roofing QCs increased from 37 in 21 to 381 in 211 which is a 3% increase. They increased from 381 in 211 to 557 in 212 which is a 46% increase. Also the percentage of Roofing QCs to Total QCs decreased from 4.92% in 21 to 4.75% in 211 but then it increased back up 5.27% in 212. El Paso was the city with the most Roofing QCs in all three years. Dallas was ranked 6 th in 21 to 5 th in 211 and finally 2 nd in 212. Arlington was in the top 3 all three years, ranking 2 nd in 21 and 211 and third in 212. The Policy Type of Homeowners ranked first in all three years. The Loss Type of Hail ranked first in 211 and 212 and came in a close second in 21. The most common Referral Reason was Hail Damage in all three years. Mechanical Damage was the next most common Referral Reason in 212 and 211, Wind Damage was the next most common Referral Reason in 21. Section 5: Methodology Obtain the Data The analysis of the Texas Roofing QCs began with a SQL Query to obtain all Texas QCs submitted in 21, 211, and 212 from the NICB Questionable Claim referrals data. A QC was associated with TX if the Loss State field contained TX and the referral text included the word roof or shingle. Clean the Data The data was reviewed and cleaned by correcting spelling errors and reducing duplicate referral numbers. Sort the Data The data was reviewed and different spelling or word combinations were used when analyzing referral reason text.

8 Page 8 of 8 Analyze the Data After the data was cleaned and sorted, it was analyzed for statistical purposes.

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