Most insurers have switched from the traditional adage of "detect and repair" to a "predict and prevent" mindset, with a focus on home maintenance, such as checking the roof for broken shingles, and disaster preparedness efforts like creating defensible space around the home. Some insurers are turning to artificial intelligence (AI) to improve their predict and prevent models. This switch may increase access to coverage for insureds in hard markets, lower premiums and prevent insurers from having to withdraw coverage in high-risk states.
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