Alarming indeed, but important to remember that for an insurance exec, "uninsurable" means that insurance companies can't make enough profit from it. There are other ways to think about insurance (and risk reduction!) besides that based on profit motive. jacobin.com/2024/11/home...

My wonderful mentor doing her thing. She is the reason I am where I am. A truly incredible leader and human being!! Go @sheilarose.bsky.social, you rock and we are all so lucky to learn from you, your work and ideas 💡⚖️

Hard to argue with this: “ Public programs that provide fair and equitable disaster insurance protection, coupled with coordinated and comprehensive disaster risk reduction, are the way forward.”

And somehow the price of insurance is supposed to signal to people all kinds of things like what retrofits they should make (which assumes they can afford it!) and if/when they should move (as if other considerations didn't come into play, like cost or jobs or even availability of other options). 🤯

I wrote this thread in the wake of the LA fires, but swap out “flood” for “fire” and all the key points also apply to what’s happening in Texas.

Thanks to Chip Merlin for conversation on the Claim Game. Best questions (toward the end): What are biggest misconception about #insurance and biggest truth about insurance? Listen here youtu.be/utv8CIIIv1c

Looking forward to conversation with the great Chip Merlin this Thursday. Join us! www.propertyinsurancecoveragelaw.com/blog/delay-d...

It's a start, but here's something even better crr.rutgers.edu/homeowners-i...

Instead of vexing to private sector... Designing Public Solutions content.naic.org/sites/defaul...

Now available! content.naic.org/sites/defaul...

I know I say this all the time, but here's me attempting to start writing regularly again. Today's posts includes books by @jayfeinman.bsky.social, @vermontgmg.bsky.social, and @drgavinfrancis.bsky.social amongst others. @dreamscape-media.bsky.social #booksky

"Incredible work" is an understatement

In the latest #RutgersLaw newsletter: 📰 "The Docket" - featuring our academic centers ⚖️ A significant legal victory for Rutgers Law Associates ✈️ Highlights from legal studies visits to South Africa and Cuba 💼 Big alumni moves and much more Read all about it: go.rutgers.edu/aprilnewsvol2 #lawsky

“the profit-seeking of private insurance companies, supported by deregulation…shifts the financial burden of disaster risk away from insurance companies but does very little to shift it away from policyholders, and does next to nothing to reduce the underlying risk to homes from disasters.”

⚖️ #RutgersLaw's 2025 "The Docket" newsletter is a roundup of the impact and innovation happening at our academic centers in #Camden and #Newark #NewJersey. This is a must-read for anyone passionate about law as a tool for equity, justice, and progress: go.rutgers.edu/rulawcenters... #lawsky

Brand-new report out today: homeowners #insurance premiums went up by 24% in just three years — #homeowners anywhere from Utah to Illinois are impacted. This is not a regional or coastal crisis, but truly a national issue! 🏡💵

ANd even those with replacement cost ... www.sfchronicle.com/projects/202...

With wildfires raging and insurance markets melting across the country, state regulators should be focused on doing their jobs, not trying to prevent the federal government from conducting surveys and generating solutions. www.theinsurer.com/ti/news/naic...

Seems like it should be harder to claim you're a "force for stability" when you're dropping homes all over the country... www.lohud.com/story/opinio...

As soon as Con Law profs have to teach legal writing the whole discipline will suddenly become eligible for tenure. Shining a light on the BS of law school hierarchies.

Health Insurers Deny 850 Million Claims a Year. The Few Who Appeal Often Win.

#SlavaUkraini 🇺🇦 #FlyEaglesFly 🦅

Can't wait to see it. (Classmate but no relation)

HealthCare.gov insurers denied nearly one out of every five claims in-network services & even larger share (37%) out-of-network www.kff.org/affordable-c... variation across HealthCare.gov

It's not just math and science. It's values, all the way down crr.rutgers.edu/public-solut...

I joined @JeanChatzky on the #HerMoney podcast to talk about health insurance & homeowners insurance--why they're so expensive, how to shop, how to advocate for yourself. Also weirdness of being caught up in the story of murder of United Healthcare CEO lnk.to/N1dZ2e11

Now in (physical) print: Lessons of Legal Reasoning: Explicit, Implicit, and Hidden papers.ssrn.com/sol3/papers....

Though the last-minute nature of the filing led to a 3-2 FTC vote, I explain how “right to repair” is not a partisan issue.

The Los Angeles wildfires and other disasters make clear that homeowners insurance is failing. Should the government take over? How? theconversation.com/insurance-fo...

Americans’ rage at insurers goes beyond health coverage – the author of ‘Delay, Deny, Defend’ points to 3 reforms that could help theconversation.com/americans-ra...

Related pet peeve : Media report record-smashing box office figures for movies, not accounting for inflation or population growth.

Now up on SSRN, my paper Recapturing Relational Contract Theory, from KCON XVII, last summer's International Conference on Contracts papers.ssrn.com/sol3/papers....

And here's some suggestions for how to do it crr.rutgers.edu/homeowners-i...

greenbag.org/v7n3/v7n3_ar... $5 solution

Now up, my new article , Lessons of Legal Reasoning: Explicit, Implicit, and Hidden www.alwd.org/lcr-archives...

Also: My book won't be out for a while, but if you want a glimpse of my findings on inequitable admin burdens that health insurance denials induce, see my recent article in JHPPL, in which I characterize this insurance practice as rationing care by inconvenience. read.dukeupress.edu/jhppl/articl...

Folks have been asking, so: Delay,Deny,Defend is out of stock on Amazon. That's the paperback, which you need to search for on Amazon when it's back. The hardcover is no longer in print. Kindle is at www.amazon.com/Delay-Deny-D... Bulk orders email [email protected]

Reminder: Socialism is the fire department saving your house; capitalism is the insurance company denying your claim.

My latest piece explains how the Biden administration has enforced antitrust law in the pharmaceutical industry, discussing FDA patent listings, merger enforcement, and pharmacy benefit managers (PBMs).

Also needs to figure out how to post submitted work in less than forever @ssrn.bsky.social

It's International Fraud Awareness Week (really it is). Time for #insurance folks to learn about Misinformation About Insurance Fraud crr.rutgers.edu/misinformati...