Something every property owner needs to understand… The Backward Pricing Problem. If your insurance premiums have doubled, this explains why and what to do about it. Most property owners think insurance works like this: “I had X claims last year, so I pay Y this year.” They’re pricing backward. Looking at history. But that’s not […]

2025’s disaster losses hit $80 billion in just 6 months. That’s double the 10-year average. Here’s what changed: 2001: The worst terrorist attack in US history. Within 2 months, America created the TSA from scratch. Hurricane Katrina hits in 2005. We built a $14.5 billion hurricane protection system. For thousands of years, this was humanity’s