9. Policyholders Become Their Own Risk Managers - Highlights - From Convective Storms to Flood: The Growing Impact of Secondary Insurance Perils

2. Neighboritis: The Social Phenomenon Driving Up Insurance Costs

Non-peak peril trends include inflation, exposure growth, suburban sprawl, deferred maintenance, building in the Wildland-Urban Interface, increased precipitation, extreme heat waves, and social phenomena like "neighboritis" and legal system abuse.

3. Incentivizing Policyholder Risk Mitigation

Primary insurers should take a comprehensive approach to mitigate non-peak peril risk.

5. "Quiet Record Year" Yields Huge Natural Catastrophe Insurance Losses

2023 was a "quiet record year" with $93 billion in total insurance losses related to natural catastrophes, despite no major headline storms.

4. Beyond Models: The Importance of Underwriting in Non-Peak Perils

Underwriting is no longer as simple as relying on tools or models to generate an adequate number.