HOMEOWNERS INSURANCE LOSSES BY CAUSE, 2004-2008 (1)

(Percent of losses incurred)

Cause of loss 2004 2005 2006 2007 2008
Property damage          
Fire, lightning and debris removal 20.29% 22.61% 33.06% 40.58% 30.55%
Wind and hail 51.51 48.09 28.69 18.56 34.11
Water damage and freezing 14.71 14.78 18.86 22.67 20.89
Theft 2.05 2.30 3.44 3.42 3.22
All other property damage (2) 6.62 7.00 9.31 8.53 6.98
Liability          
Bodily injury and property damage 4.01 4.35 5.33 4.67 2.82
Medical payments and other 0.17 0.19 0.30 0.28 0.23
Credit card and other (3) 0.63 0.67 1.01 1.30 1.19

(1) For homeowners multiple peril policies. Excludes tenants and condominium owners policies.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.

Source: ISO.