Claims Shortfall Dashboard
Gap between assessed flood and water damage and actual claim payouts
Assessed Damage
$542.4M
7,833 claims with positive damage
Actual Payouts
$509.3M
93.9% of assessed damage paid
Net Shortfall
$33.1M
79.8% of claims paid below assessed damage
Median Shortfall
$2.0K
90th percentile reaches $10.0K
Portfolio readout
The portfolio carries a cumulative payout gap of $33.1M, with overall payouts covering 93.9% of assessed flood and water damage.
- Frequency: underpayment is common, affecting 79.8% of claims, while the typical claim shortfall sits near $2.0K.
- Cause mix: Cause 2 has the highest average shortfall at $6.1K, while Cause 4 drives the most claim volume with 4,754 claims.
- Deductibles: deductible E shows the largest average gap at $79.0K, and deductible E has shortfalls on essentially every observed claim.
Interpretation: the strongest concentration of risk comes from a combination of frequent modest gaps and a smaller set of deductible segments with very large average shortfalls.
●Paid below assessed damage
●Paid at or above assessed damage
Cause and deductible labels are displayed exactly as coded in the supplied summaries.
Deductible segments with the largest average gaps
Top five deductible codes by average shortfall from the provided summary table.
| Deductible | Claims | Avg Damage | Avg Paid | Avg Shortfall | Shortfall Freq |
|---|
Paid vs. assessed damage
Scatter sample of 1,200 claims for readability; the diagonal line marks payout parity where paid equals assessed damage.
Average shortfall by cause of damage
Positive bars indicate average underpayment; negative bars indicate average payout above assessed damage.
Average assessed damage vs. payout by deductible code
Dumbbell comparison shows how far average payouts sit below average assessed damage for each deductible segment.
Shortfall frequency by deductible code
Lollipop view ranks deductible segments by the share of claims where paid amount falls short of assessed damage.
Shortfall distribution by cause of damage
Box plots show spread, median, and outlier behavior for claim-level shortfalls across damage causes.