NexGen's 2025 Homeowners Insurance Company Rankings

We’ve navigated thousands of roof-claim processes on behalf of Colorado homeowners. Through every hailstorm, one thing has become crystal clear:

Not all homeowners insurance policies are created equal.

Below, we break down the Top 5 and Bottom 5 insurance carriers based solely on how they handle roof claims—in three critical areas:

1. Claim Response Time (from filing to first inspection)

2. Initial Claim Evaluation (completeness of first estimate)

3. Supplement Support (speed & ease of change-order approvals)

Use this guide to review your current policy, pick the right carrier before the next storm, and double-check that your coverage limits match today’s home-replacement costs.

🏆 Top 5 Carriers: What Puts Them Ahead

1. Nationwide

• Response: 5/5 ⭐️⭐️⭐️⭐️⭐️
  – Lightning-fast adjuster dispatch.

• First Eval: 5/5 ⭐️⭐️⭐️⭐️⭐️
  – Comprehensive line-item estimates—no surprises.

• Supplements: 4/5 ⭐️⭐️⭐️⭐️
  – Rapid approvals on change orders.

Nationwide earns top marks across the board because they combine lightning-fast response with incredibly thorough estimates and frictionless supplement approvals. Your adjuster is on-site in days, not weeks, their first pass covers every roof component so there’s minimal back-and-forth, and any change orders get green-lit almost immediately. That consistency means you get to work—and payout—faster, every time.

2. State Farm

• Response: 5/5 ⭐️⭐️⭐️⭐️⭐️

• First Evaluation: 4/5 ⭐️⭐️⭐️⭐️

• Supplement Approvals: 4/5 ⭐️⭐️⭐️⭐️

After years of under-whelming stats, State Farm has revamped its process into one of the smoothest in the industry. Their adjusters still arrive quickly, and while their initial estimates leave off a few minor line items, they’ve added far more up front than before—cutting down disputes. Supplement approvals are now solid, too, making them a safe choice for homeowners who value reliability. State Farm has improved so much, they I use them personally for my home & auto coverage.

3. USAA

• Response: 5/5 ⭐️⭐️⭐️⭐️⭐️

• First Evaluation: 3/5 ⭐️⭐️⭐️

• Supplement Approvals: 3/5 ⭐️⭐️⭐️

USAA remains one of the fastest responders—especially for military families—but has pulled back on full upfront coverage. Their adjusters show up promptly, yet their first estimates now omit more line items than they used to, leading to extra supplement work later. If you’re a USAA member, expect a speedy inspection but plan to follow up on any missing components.

4. Travelers & 5. Farmers (Tie)

• Solid 4/5 across the board.

• Dependable, average turnaround—no major headaches.

⚠️ Bottom 5 Carriers: Red Flags to Watch

• Progressive (6): Good response, but slower close-outs.

• Allstate (7): Limited initial estimates; lengthy back-and-forth for supplements.

• American Family (8): Frequent denials, junior adjusters, under-priced bids.

• Liberty Mutual & Safeco (9 & 10, tie)

8. American Family

• Response: 3/5 ⭐️⭐️⭐️

• First Evaluation: 2/5 ⭐️⭐️

• Supplement Approvals: 1/5 ⭐️

American Family routinely under-prices initial bids—often 10–15% below competitors—then drags out supplement approvals with repeated denials and defensive reviews. Their adjusters tend to be less experienced, which means you’ll spend more time educating them on basic roofing needs and fighting for coverage on essential items like flashing or drip edge.

9. Liberty Mutual 10. SafeCo (Tie)

• Response: 3/5 ⭐️⭐️⭐️

• First Evaluation: 1/5 ⭐️

• Supplements Approvals: 1/5 ⭐️

As sibling carriers, both Liberty Mutual and Safeco use the same low-ball estimating software, typically paying out 30–40% less on identical roofs than other insurers. They dispatch adjusters at a middling pace, but the real hurdle is securing fair line-item coverage—supplements move painfully slow without our pre-negotiated workaround. In practice, you either accept sub-par payouts or lean on our “secret sauce” process to force a full-scope approval.

🔍 Why These Gaps Exist

Insurance carriers save millions by omitting small line items on every claim:

• For example (Drip edge, step flashing)—each ~$100–$200.

• Times 10,000 claims = >$1 million - $2 million the insurance company saves.

• The average homeowner won’t know to ask—so the carrier counts on it.

Fortunately, we have been working with all these insurance carriers for over a decade and have mastered how to over-come their shortfalls in coverage. Each carrier is different, so NexGen's insurance approach is custom tailored depending on your carrier to get all claims approved quickly and for the correct evaluation!

✅ Your Next Steps Before Storm Season

1. Review Your Policy

   • Do you have full replacement cost coverage on your roof?

   • Do you have code upgrade endorsement?

   • Do you have any exclusions (i.e. soft metal exclusion)?

   • Have you increased coverage to be in line with the value of your home?

2. Compare Carriers

   • Use our ranking above to spot red flags.

   • Consider switching if you’re with a bottom-tier insurer.

3. Get a Pro Estimate

   • Invite us to do a full line-item bid before the adjuster arrives.

   • We’ll handle the heavy lifting so you get every penny you deserve.

Final Note:

NexGen is not receiving any incentive from any insurance company on this list. This is just an honest review with working with all of these companies for over a decade. Each year, the list changes depending on new policies adapted by the insurance carrier. This list also does not take into account annual premium payments; however, consider weighing the difference in premium vs. the actual coverage you receive when you do need to file a claim.

Have questions or ready to secure your inspection?
Book your inspection online or call 303-800-8258 to schedule your appointment. Our expert team has cut through the red tape on thousands of claims—let us do the same for you.