New findings from the Insurity 2026 AI in Insurance Report show growing consumer openness to AI-driven risk monitoring as extreme weather events intensify

Insurity, a leading provider of cloud-based software and analytics for property and casualty insurers, today released new findings from its 2026 AI in Insurance Report examining consumer attitudes toward artificial intelligence (AI) in severe weather monitoring and catastrophe response.

The 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.

Beyond 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.

Confidence 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.

“Severe weather is one of the key areas where consumers immediately understand the value of AI in insurance,” said Jatin Atre, President of Insurity. “If technology can warn you earlier about a hailstorm, validate damage using satellite data, and accelerate the claims process after a catastrophe, that’s tangible value. The opportunity for insurers isn’t simply to automate catastrophe response. It’s to make risk visible earlier and recovery faster when events occur.”

For 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.

This 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.

Source: BUSINESS WIRE