The number nobody publishes

Every figure above is a homeowners figure — single-family, owner-occupied policies. On what a Nebraska association pays for a master policy, what deductible structures carriers are writing, or how association reserve funding is holding up against it, there is nothing.

Not from the Department of Insurance, which has published no bulletin or guidance document on condominium master policies, association wind and hail deductibles, percentage deductibles or replacement-cost verification — its only property and casualty guidance documents date from October 2022, and its consumer homeowners guide mentions a condominium unit owners form once, in a perils table.⁴ Not from the state's press, which has covered the homeowners market heavily and association coverage not at all. Not from a trade body: Nebraska has no Community Associations Institute chapter of its own.

Nebraska condominium and association numbers circulating in commercial insurance content are not sourced to anything, and this column will not repeat them. What can be said honestly is that the loss driver is the same — hail landing on roofs — and that associations own a great deal of roof.

What a homeowners statistic tells a board

Ask your broker for your own three-year history. Premium, deductible structure, roof valuation basis, and claims paid. Your community's numbers are the only ones that are actually about you, and your broker has them.

Find out whether roofs are still insured at replacement cost. After repeated hail losses, carriers commonly convert roof coverage to actual cash value or impose a roof-surfacing schedule that depreciates by age. This is frequently done at renewal, disclosed in the endorsements, and unnoticed by the board. It is the single change most likely to turn a covered loss into a special assessment.

Read the deductible as a dollar figure, not a percentage. A percentage wind and hail deductible on a multi-building association can run into six figures. Calculate it, put the number in the minutes, and confirm the reserve can absorb it.

Price resiliency discounts. The Department of Insurance has pointed consumers toward discounts for impact-resistant roofing rated Class 3 or 4 and for fortified construction standards.⁵ On a community replacing multiple roofs after a hail event, the specification decision is also a premium decision, and the time to make it is before the claim, not during it.

Put the deductible in the reserve study, not just the repair. A reserve plan that funds roof replacement on a thirty-year cycle but cannot fund a hail deductible is planning for the wrong event. In this state the deductible is the recurring expense.

Where the data might finally come from

Two 2026 Nebraska interim study resolutions, LR 199 and LR 200, address homeowner's insurance premiums. Interim studies are how Nebraska legislators assemble the evidence they use the following session, and they survived the adjournment that killed every bill in the biennium.

Neither is about associations. But they are the only proceedings in this state currently gathering insurance-cost evidence with legislative attention attached, and an association that wants condominium and master-policy costs to be part of that record has a route to say so.

What to watch next

Watch the 2027 renewal cycle and the interim study output. If Nebraska produces its first association-specific coverage data, it will come out of a legislative study rather than a regulator, because the regulator has not published on it in four years.