I'm seeking U.S. insurance professionals (e.g., analysts, claims representatives), consumer-protection experts, and regulatory experts to share insights for a story examining why a growing share of U.S. home and auto insurance claims are being closed without payment. Recent analyses of insurance industry filings found that the share of homeowners claims closed without payment increased from approximately 36% in 2016 to 44% in 2025. For auto liability claims, that figure rose from approximately 35% to 45% over the same period. My main questions: 1. Why are Americans paying substantially more for home and auto insurance while an increasing proportion of claims are being closed without payment? What economic, regulatory, or industry factors explain this disconnect? 2. How much of the increase in claims closed without payment can be attributed to higher deductibles, narrower coverage, new exclusions, or consumer misunderstandings of policies, versus changes in how insurers investigate, evaluate, and settle claims? 3. Are rising repair costs, catastrophic losses, litigation expenses, and pressure to maintain profitability influencing how aggressively insurers scrutinize or contest claims? 4. What reforms or transparency requirements would help consumers better understand what they're paying for and why claims go unpaid?