Insurance Fairness Project
@insurancefairness.bsky.social
Protecting America's homes, by advocating for a sustainable and equitable solution to the climate-driven property insurance crisis.
Voters want action on insurance. 61% say the federal government isn’t doing enough to protect consumers, and over half say the same about their state government (52%) and insurance commissioners (50%).
August 28, 2025 at 3:32 PM
Voters want action on insurance. 61% say the federal government isn’t doing enough to protect consumers, and over half say the same about their state government (52%) and insurance commissioners (50%).
62% of voters say insurance execs are at least somewhat responsible for rising rates, 46% say very responsible. Voters also cite climate-driven extreme weather (37%) and inflation (36%) as factors, showing they see both profit and pressure behind the hikes.
August 28, 2025 at 3:32 PM
62% of voters say insurance execs are at least somewhat responsible for rising rates, 46% say very responsible. Voters also cite climate-driven extreme weather (37%) and inflation (36%) as factors, showing they see both profit and pressure behind the hikes.
71% of voters have heard at least a little about recent changes in the U.S. property insurance industry. 78% are concerned about rising costs, rising to 85% among those impacted by extreme weather. Concern cuts across party lines.
August 28, 2025 at 3:32 PM
71% of voters have heard at least a little about recent changes in the U.S. property insurance industry. 78% are concerned about rising costs, rising to 85% among those impacted by extreme weather. Concern cuts across party lines.
Your credit score may have a greater impact on your home insurance premium than your climate risk according to new research from @ConsumerFed and @cplusci
August 13, 2025 at 7:23 PM
Your credit score may have a greater impact on your home insurance premium than your climate risk according to new research from @ConsumerFed and @cplusci
RESEARCHERS RESCUE DISASTER DATA: The Trump administration is defunding research and shutting down tools that insurers and climatologists alike depend on for accurate risk planning.
August 13, 2025 at 3:32 PM
RESEARCHERS RESCUE DISASTER DATA: The Trump administration is defunding research and shutting down tools that insurers and climatologists alike depend on for accurate risk planning.
Top insurers are sounding the alarm: areas may soon become totally uninsurable. The climate crisis is hitting the insurance industry, and that has global implications.
Here are some key takeaways:
Here are some key takeaways:
August 12, 2025 at 7:23 PM
Top insurers are sounding the alarm: areas may soon become totally uninsurable. The climate crisis is hitting the insurance industry, and that has global implications.
Here are some key takeaways:
Here are some key takeaways:
TEXANS SAY HOME INSURERS ARE MAKING THE CRISIS WORSE: 82% of Texans surveyed blame insurers’ pursuit of profits for the rising cost of home insurance, and 91% say the state government should do more to face the crisis.
August 11, 2025 at 6:01 PM
TEXANS SAY HOME INSURERS ARE MAKING THE CRISIS WORSE: 82% of Texans surveyed blame insurers’ pursuit of profits for the rising cost of home insurance, and 91% say the state government should do more to face the crisis.
WHILE BIG INSURERS SEE BIG PROFITS, THEY KEEP LEAVING HOMEOWNERS UNPROTECTED: National insurers made $164 billion last year from investing homeowners’ premiums and are handing out record pay packages to execs, but they keep pulling out of markets and cancelling policies.
August 5, 2025 at 10:38 PM
WHILE BIG INSURERS SEE BIG PROFITS, THEY KEEP LEAVING HOMEOWNERS UNPROTECTED: National insurers made $164 billion last year from investing homeowners’ premiums and are handing out record pay packages to execs, but they keep pulling out of markets and cancelling policies.
SCE PLANS TO COMPENSATE L.A. FIRE VICTIMS: Responsibility for the Eaton fire hasn’t yet been determined, but the leading theory is that Southern California Edison transmission lines were to blame.
August 5, 2025 at 8:25 PM
SCE PLANS TO COMPENSATE L.A. FIRE VICTIMS: Responsibility for the Eaton fire hasn’t yet been determined, but the leading theory is that Southern California Edison transmission lines were to blame.
🚨 NEW REPORT: Today the IFP is releasing our report “The Home Insurance Crisis at Midyear.” Summary: The economic toll is rising. Premiums are soaring across the country, more and more people can’t get or afford coverage, insurers are slow-walking payouts after disasters.
July 30, 2025 at 5:10 PM
🚨 NEW REPORT: Today the IFP is releasing our report “The Home Insurance Crisis at Midyear.” Summary: The economic toll is rising. Premiums are soaring across the country, more and more people can’t get or afford coverage, insurers are slow-walking payouts after disasters.
The insurance crisis is impacting homeowners in Georgia: homeowners saw a 12% rate increase last year, 36% since 2019.
Liz Coyle of Georgia Watch: “Insurance companies continue to earn and reap significant profits, and their profit margins are high.”
Liz Coyle of Georgia Watch: “Insurance companies continue to earn and reap significant profits, and their profit margins are high.”
July 24, 2025 at 10:30 PM
The insurance crisis is impacting homeowners in Georgia: homeowners saw a 12% rate increase last year, 36% since 2019.
Liz Coyle of Georgia Watch: “Insurance companies continue to earn and reap significant profits, and their profit margins are high.”
Liz Coyle of Georgia Watch: “Insurance companies continue to earn and reap significant profits, and their profit margins are high.”
The LA wildfires are now the costliest in history — and homeowners are being dumped into the last-resort CA FAIR insurance plan. California still has one of the nation’s shakiest insurance markets, and corporate insurers are leaving homeowners unprotected from extreme weather.
July 24, 2025 at 9:15 PM
The LA wildfires are now the costliest in history — and homeowners are being dumped into the last-resort CA FAIR insurance plan. California still has one of the nation’s shakiest insurance markets, and corporate insurers are leaving homeowners unprotected from extreme weather.
New research: Home insurance executives’ pay packages incentivize them to deny and delay claims. The avg top exec took home $7.3M in 2024, up 30%. Meanwhile, rates are up 40% over the last 5 years, boosting insurance companies’ profits to record levels.
July 24, 2025 at 7:59 PM
New research: Home insurance executives’ pay packages incentivize them to deny and delay claims. The avg top exec took home $7.3M in 2024, up 30%. Meanwhile, rates are up 40% over the last 5 years, boosting insurance companies’ profits to record levels.
Here's @kennystancil.bsky.social of @revolvingdoordc.bsky.social on the financial games insurers play to keep your eye off the ball, as they raise rates while clearing record profits.
July 15, 2025 at 3:26 PM
Here's @kennystancil.bsky.social of @revolvingdoordc.bsky.social on the financial games insurers play to keep your eye off the ball, as they raise rates while clearing record profits.
New from @KennyStancil.bsky.social and @RevolvingDoorDC.bsky.social: Property and casualty insurers doubled their profits last year while they continue denying disaster victims’ claims and pushing for rate hikes across the country.
July 14, 2025 at 9:07 PM
New from @KennyStancil.bsky.social and @RevolvingDoorDC.bsky.social: Property and casualty insurers doubled their profits last year while they continue denying disaster victims’ claims and pushing for rate hikes across the country.
July 14, 2025 at 8:43 PM
Some recent home insurance stories you may have missed:
➡️The insurance crisis is pushing the economy towards a meltdown
➡️L.A. fire survivors win in the courts against the FAIR plan
➡️Insurance prices are squeezing affordable housing development
➡️The insurance crisis is pushing the economy towards a meltdown
➡️L.A. fire survivors win in the courts against the FAIR plan
➡️Insurance prices are squeezing affordable housing development
July 3, 2025 at 9:14 PM
Some recent home insurance stories you may have missed:
➡️The insurance crisis is pushing the economy towards a meltdown
➡️L.A. fire survivors win in the courts against the FAIR plan
➡️Insurance prices are squeezing affordable housing development
➡️The insurance crisis is pushing the economy towards a meltdown
➡️L.A. fire survivors win in the courts against the FAIR plan
➡️Insurance prices are squeezing affordable housing development
CRACKS IN THE FOUNDATION. Climate change is reshaping the housing market, not just through physical destruction, but by breaking its foundational economics: sapping home values, shrinking buyer pools, driving up foreclosures, and more. And all of this is accelerating.
July 3, 2025 at 9:13 PM
CRACKS IN THE FOUNDATION. Climate change is reshaping the housing market, not just through physical destruction, but by breaking its foundational economics: sapping home values, shrinking buyer pools, driving up foreclosures, and more. And all of this is accelerating.
Homeownership is already unaffordable for too many in Louisiana. The insurance crisis is making it even harder to afford a mortgage, with rising premiums now making up more than a quarter of housing costs for some.
July 3, 2025 at 9:11 PM
Homeownership is already unaffordable for too many in Louisiana. The insurance crisis is making it even harder to afford a mortgage, with rising premiums now making up more than a quarter of housing costs for some.
But some state insurance commissioners, the National Association of Insurance Commissioners (NAIC), and lawmakers — from 27 states, including FL, TX, and LA — are pushing to kill the FIO, and effectively eliminate one of the best data sources we have for insurance transparency.
July 3, 2025 at 9:00 PM
But some state insurance commissioners, the National Association of Insurance Commissioners (NAIC), and lawmakers — from 27 states, including FL, TX, and LA — are pushing to kill the FIO, and effectively eliminate one of the best data sources we have for insurance transparency.
ICYMI, here are some big home insurance stories from this week:
➡️ The insurance crisis is pushing the economy towards a meltdown
➡️ L.A. fire survivors win in the courts against the FAIR plan
➡️ Insurance prices are squeezing affordable housing development
➡️ The insurance crisis is pushing the economy towards a meltdown
➡️ L.A. fire survivors win in the courts against the FAIR plan
➡️ Insurance prices are squeezing affordable housing development
June 27, 2025 at 7:21 PM
ICYMI, here are some big home insurance stories from this week:
➡️ The insurance crisis is pushing the economy towards a meltdown
➡️ L.A. fire survivors win in the courts against the FAIR plan
➡️ Insurance prices are squeezing affordable housing development
➡️ The insurance crisis is pushing the economy towards a meltdown
➡️ L.A. fire survivors win in the courts against the FAIR plan
➡️ Insurance prices are squeezing affordable housing development
Tuesday’s ruling that the CA FAIR plan’s smoke policy is illegal marks a victory for L.A. fire survivors like Etta in Altadena, whose house was contaminated with lead & other toxins. FAIR refused to cover costs, forcing Etta to seek volunteer help to make her home livable again.
June 26, 2025 at 11:00 PM
Tuesday’s ruling that the CA FAIR plan’s smoke policy is illegal marks a victory for L.A. fire survivors like Etta in Altadena, whose house was contaminated with lead & other toxins. FAIR refused to cover costs, forcing Etta to seek volunteer help to make her home livable again.
MELTDOWN RISK: The insurance crisis could trigger a financial collapse rivaling 2008, with each climate disaster pushing us closer to the edge. How? Without insurance, people can’t get mortgages, and that’s already starting to destabilize the housing market.
June 26, 2025 at 9:58 PM
MELTDOWN RISK: The insurance crisis could trigger a financial collapse rivaling 2008, with each climate disaster pushing us closer to the edge. How? Without insurance, people can’t get mortgages, and that’s already starting to destabilize the housing market.
Nearly 6 months after the L.A. fires, many survivors still can't move back into homes contaminated by toxic smoke. Why? Insurers are allegedly slow-walking claims and delaying testing, leaving families in limbo.
June 26, 2025 at 3:32 PM
Nearly 6 months after the L.A. fires, many survivors still can't move back into homes contaminated by toxic smoke. Why? Insurers are allegedly slow-walking claims and delaying testing, leaving families in limbo.
BREAKING: An L.A. judge ruled that the CA FAIR plan’s smoke policy violates state law, offering less coverage than what's required. This is a huge victory for fire survivors who have been denied the insurance payouts they need to rebuild.
June 26, 2025 at 12:03 AM
BREAKING: An L.A. judge ruled that the CA FAIR plan’s smoke policy violates state law, offering less coverage than what's required. This is a huge victory for fire survivors who have been denied the insurance payouts they need to rebuild.