Availability and Affordability of Insurance in Coastal Areas

On Dec. 13-14, 2011, Insurance Commissioner Therese M. Goldsmith conducted a hearing on the availability and affordability of insurance in Maryland's coastal areas.

A report was issued in October 2012:
Report on Availability and Affordability of Personal and Commercial Property and Casualty Insurance in Coastal Areas in Maryland (47 pages)

Transcript and Exhibits

Doc Title

Exhibit 1 - Notice of Quasi-Legislative Hearing (4 pages)
Exhibit 10 - Testimony of Minor Carter, Maryland Association of Mutual Insurance Companies (15 pages)
Exhibit 11 - Maryland Insurance Administration – List of Approved Surplus Lines Insurers (15 pages)
Exhibit 12 - Maryland Insurance Administration – 2011 Report on the Availability and Affordability of Health Care Medical Professional Liability Insurance in Maryland, August 2011 (Exhibit A4, Pg. 3) (3 pages)
Exhibit 13 - Insurance Article § 19-212, Plan of Material Reduction (3 pages)
Exhibit 14 - Presidential Major Disaster Declarations During Hurricane Season in Maryland (1 page)
Exhibit 15 - Karen Clark & Company - Using Catastrophe Models and Other Tools to Assess Hurricane Risk - NAIC Fall Meeting - November 4, 2011 (1 page – cover only)
Exhibit 16 - Property Claims Services Information (2 pages)
Exhibit 17 - Status of the South Carolina Wind and Hail Underwriting Association – Status Report for 2009 - Submitted by South Carolina Dept. of Insurance (Pgs. 28 - 39) (14 pages)
Exhibit 18 - Coastal Market Assistance Program Pamphlet: & CMAP Plan of Operations (16 pages)
Exhibit 19 - 2010 Report of the Climate Change - Insurance Advisory Committee (26 pages)
Exhibit 2 - Who is the RAA? Document (16 pages)
Exhibit 20 - State of Connecticut Insurance Department - A Report on the Availability of Homeowners Insurance Along the Connecticut Coastline, December 5, 2006 (18 pages)
Exhibit 21 - Lloyd’s America Inc. – Comments (3 pages)
Exhibit 22 - Independent Insurance Agent – Written Comments (2 pages)
Exhibit 23 - Testimony Insurance Agents and Brokers of Maryland and written comments from E. Larry Sanders, Edward L. Sanders Insurance Agency Inc., December 13, 2011 (6 pages)
Exhibit 24 - Excel Spreadsheet with accompanying data back-up regarding the rate of return on the homeowner's insurance line in the aggregate, submitted by Matt Wulf, Reinsurance Association of America, December 14, 2011 (33 pages)
Exhibit 25 - Supporting Documentation from Reinsurance of America, December 14, 2011 Section 1 (70 pages)
Exhibit 25 - Supporting Documentation from Reinsurance of America, December 14, 2011 Section 2 (67 pages)
Exhibit 25 - Supporting Documentation from Reinsurance of America, December 14, 2011 Section 3 (96 pages)
Exhibit 25 - Supporting Documentation from Reinsurance of America, December 14, 2011 Section 4 (50 pages)
Exhibit 25 - Supporting Documentation from Reinsurance of America, December 14, 2011 Section 5 (60 pages)
Exhibit 26 - Supporting Documentation from the Maryland Association of Mutual Insurance Companies, December 14-16, 2011 (209 pages)
Exhibit 27 - Comments of State Farm Insurance Company, December 16, 2011 (4 pages)
Exhibit 28 - Joint Insurance Association's Lower Eastern Shore Policy Count Comparison, December 16, 2011 (2 pages)
Exhibit 29 - Allstate Insurance Company's written testimony, December 16, 2011 (7 pages)
Exhibit 3 - Testimony of the American Insurance Association (11 pages)
Exhibit 30 - Written comments from Jim Fowler, Fowler Insurance, Inc., December 16, 2011 (10 pages)
Exhibit 31 - People’s Insurance Counsel Division – Letter and Attachment, December 29, 2011 (4 pages)

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