New Fair Use Policy: I’ve always operated under the principle that this blog is meant to enlighten others and thus, if people want to share it, they are more than welcome to do so. I assumed anyone reproducing it in a professional context would be, well, professional enough to cite Continue Reading
The Questions That Need To Be Asked On Earnings Calls
I’ve come to realize I’ve been doing this blog long enough that probably only a small minority at this point actually know what I used to do. So as a quick recap, my old career was investing in insurance companies. Probably the thing I was best known for was my Continue Reading
When Your Math Is The Real Disaster
Most of you probably don’t know I was a math major. For those who had the opportunity in the past to see my prolific earnings models, that probably won’t surprise you. My one true talent in life is that, from a very early age, I could do calculations in my Continue Reading
The End of the FHCF As We Know It?
Editor’s Note: Yes, I know it’s a Sunday. This is a special edition given the circumstances. It doesn’t seem people are aware of the threat to the FHCF’s solvency so I wanted to get this analysis out immediately. Editor’s Note 2: I had been having some trouble with the site Continue Reading
Hurricane Ian(sbnr)
Editor’s Note: There have been some problems with the site server the last few days. If you have trouble with the link, it usually comes back up in a minute or two. I actually had something else ready to publish today and it’s folly to publicly call where a hurricane Continue Reading
Ian’s Brief #9: Informed Update, Football Predictions, and More
Haven’t done a brief for some time and have a number of topics to catch up on. If you’re just here for the annual NFL predictions, you can scroll to the bottom. Informed News First, we have our brand new logo to share… We had some excellent help on it Continue Reading
Ranking the Villains in the Florida Home Insurance Tragedy
It’s June 1st and you know what that means? It’s now officially hurricane season! You know what else it means? We are one day closer to the meltdown of the Florida home insurance market! Stresses are arguably the worst they have ever been. Carriers are dropping like flies and we Continue Reading
Shrinkflation in the Florida Insurance Market
Informed Tip of the Week: Don’t know what shrinkflation is? It’s when companies shrink package sizes so they don’t have to raise prices and it’s been happening a lot lately. It’s been going on in insurance for years and is something Informed has written about previously. It’s a great way Continue Reading
Why the Experts Are Underestimating Post-Tropical Ida Losses
Surprisingly, at least to me, the Ida-related flooding on the East Coast is being estimated as a very small insured loss, maybe $1 or $2 billion. This is incomprehensible to me. Sure, a lot of the damage is water and a lot of water is uninsured, but enough water is Continue Reading
Was The Texas Freeze Really Unforseeable?
First, before anyone accuses me of being too cheeky with this post, the events in Texas are terrible. I am not making light of them. I know several people there with frozen pipes and that was not something they ever imagined having to deal with. What’s unfortunate about the events Continue Reading