References and sources
[1] NAIC Insurance coverage Premiums and Losses Exhibit (Authorized Web page 14), LINE_NO 1 (Fireplace), 2019-2024, All 50 US States. Direct premiums written, direct premiums written, direct losses incurred, commissions and brokerage prices.
[2] Headwaters Economics, “Danger of Wildfire Insurance coverage Points Impacts Native and State Budgets,” August 2025. headwaterseconomics.org
[3] Amwins, “Wildfire Insurance coverage: Market Outlook, Claims Tendencies, and Modern Applied sciences,” October 2024. amwins.com
[4] NAIC CIPR, “Trial by Fireplace: Rethinking Wildfire Insurance coverage in California,” Insurance coverage Regulation Journal, 2025. content material.naic.org
[5] Insurance coverage Info Institute (Triple-I), “Industrial Property Insurance coverage Reveals Indicators of Enchancment,” December 2024. Quoted from Marsh McLennan This fall 2023. insuranceindustryblog.iii.org
[6] Insurance coverage Enterprise America / Swiss Re Sigma, “U.S. P&C insurance coverage market heading for a robust 2024,” September 2023. insurancebusinessmag.com/us
[7] Triple-I/Milliman, “Inflation, Excessive Curiosity Charges, and Catastrophes Contribute to Underwriting Losses in 2023,” This fall 2023. businesswire.com
[8] S&P World Market Intelligence, “Business First: U.S. P&C Insurers’ Direct Annual Premiums Exceed $1 Trillion,” March 2025. spglobal.com
[9] Deep Sky Local weather, “2025 Wildfire Danger Reaches Harmful Degree, Insurers Pull Out.” deepskyclimate.com
[10] Widespread Sense Taxpayers, “California’s Wildfire Insurance coverage Disaster,” 2025. taxpayer.web
[11] Congressional Analysis Service, “Householders Insurance coverage and California Wildfires,” January 2025. congress.gov
[12] S&P World / Swiss Re Sigma, 2024-2025 US revenue and loss outlook. spglobal.com / swissre.com
[13] IMA Monetary Group, “Actual Property and Casualty Markets to Watch in Q1 2025,” April 2025. imacorp.com
[14] Al Jazeera/California FAIR Plan, “LA Wildfires: Is Insurance coverage the Subsequent Entrance Line?”, January 2025. aljazeera.com
