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<\/a><\/a>\nThe data suggests consumers are increasingly open to insurers using AI to help anticipate and respond to climate-related risks. According to the report, 51% of consumers say they would feel comfortable if their insurance provider used AI to monitor severe weather conditions and deliver real-time alerts about potential risks such as hailstorms, floods, or wildfires, up from 45% in 2025.<\/p>
\nBeyond early warnings, many policyholders also see potential value in AI-driven claims support following major weather events. Forty-two percent of respondents say they believe AI could help insurers process claims more efficiently after severe weather events, an increase from 28% in 2025.<\/p>
\nConfidence also appears to be significantly improving when AI is used to validate claims using objective data sources. In 2026, 51% of respondents say they would feel confident filing a severe weather-related claim if AI helped validate the loss using satellite imagery or weather data, compared to 38% who expressed confidence in 2025. The results point to growing consumer openness to AI when it is applied to catastrophe preparedness and recovery.<\/p>
\n\u201cSevere weather is one of the key areas where consumers immediately understand the value of AI in insurance,\u201d said Jatin Atre, President of Insurity. \u201cIf technology can warn you earlier about a hailstorm, validate damage using satellite data, and accelerate the claims process after a catastrophe, that\u2019s tangible value. The opportunity for insurers isn\u2019t simply to automate catastrophe response. It\u2019s to make risk visible earlier and recovery faster when events occur.\u201d<\/p>
\nFor insurers, the results suggest that AI adoption tied directly to risk visibility and catastrophe response may be one of the most intuitive entry points for consumer acceptance. When AI helps predict risk, deliver faster alerts, and validate claims using objective data, policyholders are more likely to view the technology as a safeguard rather than a replacement for human expertise.<\/p>
\nThis survey was conducted online in February 2026, and more than 1,000 adult participants were randomly selected across the United States to ensure a representative sample. Respondents were asked a series of 18 questions, ranging from multiple-choice to scale-based, to gauge their opinions on AI in P&C insurance. Data analysis was performed to identify key patterns and insights.<\/p>
\nTo learn more about Insurity\u2019s 2026 AI in Insurance Report, please contact Elizabeth.Hutchinson@insurity.com<\/a>.<\/p> \nAbout Insurity<\/b><\/p> \nInsurity is a leading provider of cloud-based software for insurance carriers, brokers, and MGAs. Insurity is trusted by 22 of the top 25 P&C carriers and 7 of the top 10 MGAs in the US and has over 400 cloud-based deployments. Through its best-in-class digital platform, unrivaled industry experience, and the industry\u2019s most robust analytics offerings, Insurity is uniquely positioned to deliver exceptional value, empowering customers to focus on their core businesses, optimize their operations, and provide superior policyholder experiences. Insurity is a portfolio company of GI Partners and TA Associates. For more information, visit www.insurity.com<\/a>.<\/p>