Utilities across the West are increasingly cutting power during high-risk weather, reshaping wildfire prevention strategies and claims exposure for insurers.

Most carriers add AI to claims workflows that were already failing. Real results come from redesigning intake, audits, and prioritization before automation ever starts.

Legacy data systems built for reporting, not real-time decision-making, are preventing insurers from moving AI tools into daily underwriting and claims operations.

A Bloomberg editorial urges policymakers to focus on resilience, legal reform, and mitigation rather than capping rates or penalizing insurers as premiums climb nationwide.

A Spokane Valley landlord alleges repeated adjuster turnover and underpayment left a rental property uninhabitable for months and triggered lien filings and litigation.

Freeze-related property damage and power outages across 14 states are driving insured losses that could make Fern one of the costliest winter storms on record.

Economists and former tech employees say workforce reductions tied to artificial intelligence often reflect cost cutting and restructuring rather than direct job replacement.

Federal prosecutors say the ex-football standout used telemedicine fronts and DME companies to bill Medicare and CHAMPVA for unnecessary orthotic braces, targeting vulnerable seniors.

Fitch expects broader P/C softening in 2026, while Morningstar says casualty pricing will stay out of step due to litigation and severity. Early earnings-call commentary shows carriers leaning on portfolio mix, disciplined underwriting, and AI tools to protect margins.

A prolonged Arctic outbreak brings snow, crashes, power outages, and freeze losses across the Southeast, raising claim concerns from auto accidents to Florida citrus damage.

Business groups argue California’s climate reporting mandates compel political speech and impose nationwide compliance burdens as the Ninth Circuit weighs constitutional limits.

Frozen pipes, downed trees, and power outages are expected to drive additional property and auto claims as extreme cold persists across the Central and Eastern US.

Even with little change in total incidents, organized theft rings pushed average cargo theft values sharply higher in 2025.

AccuWeather says snow, ice, extreme cold, and prolonged outages created widespread insured and uninsured losses across the U.S.

At ITC London 2026, executives said artificial intelligence is exposing weak leadership cultures and forcing insurers to rethink innovation, risk tolerance, and long-standing business models.