Small landscaping changes can redirect water toward foundations, increase basement flooding risk, and complicate homeowners insurance claims after heavy rain or storms.

Forecasters say exceptionally warm Pacific waters and a developing El Niño could push tropical systems farther north in 2026, increasing flood and storm concerns for Hawaii and Southern California homeowners.

Severe convective storms are generating record insured losses across the United States, forcing carriers to rethink underwriting, catastrophe modeling, and homeowner pricing strategies.

State-backed incentives for FORTIFIED roofs aim to reduce storm damage, stabilize premiums, and improve claim outcomes across high-risk regions.

RiskStream partners with Hashgraph to reduce duplicate data collection and improve property risk verification across the insurance ecosystem.

Direct written premiums rose nearly 11% in 2025 as policies in force surged, but Fitch says deteriorating losses, softer pricing, and AI-driven threats are making cyber underwriting more difficult. Coverage wording and third-party risk could become bigger issues for insurers and claims teams.

Autonomous systems are creating new pathways for cyber incidents, complicating underwriting, claims handling, and coverage interpretation.

New carrier-backed study shows significant drops in water damage claim frequency and severity, with implications for underwriting and loss prevention strategies.

Declining auto claims and reserve releases point to softer pricing in 2026, while liability lines continue to face reserve pressure and social inflation challenges.

Lawmakers and inspectors question whether roof-focused mitigation grants reduce claims or premiums, citing verification gaps and limited insurance credits.

Claims data shows a growing gap between driver awareness and behavior, while telematics and vehicle technology reshape liability, repair costs, and prevention strategies.

Digital pet insurer routes all claims through AI while expanding pre-claims tools to guide care and control costs.

Chubb says it will control underwriting, pricing, policy issuance, and claims in a $20 billion maritime war risk facility backed by the US International Development Finance Corporation. Vessel eligibility set by the US government will determine which ships and cargo can access coverage for Strait of Hormuz transits.

Revenue sharing and NIL deals are pushing universities to manage injury, compensation, and reputational risks similar to professional sports programs.

As underwriting stays tight and carrier appetites shift, independent agencies are investing in AI automation, E&S workflow tools, and more consistent client communication to reduce manual work and improve efficiency.