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Inflation, climate and catastrophic losses, and reinsurance costs could all disrupt this slightly optimistic forecast.

The same risks that are making insurance more important are also making it harder to get.

The committee asked whether Citizens has contemplated requesting a federal bailout in the event of being unable to cover its claims.

The Swiss Re Global Cat Bond Performance Index is up 18%, while the Bloomberg U.S. Treasury Index has dropped about 1%.

Many insurance professionals are weathering today's unprecedented market hardening for the first time.

The My Safe Florida Home program includes matching grants up to $10,000 to help pay for such things as reinforcing roof-to-wall connections, upgrading roof coverings and upgrading doors and windows, according to the program's website.

Florida accounts for only 9% of U.S. insurance claims but represents 79% of homeowners' lawsuits.

Insurers that fail to cook up the right recipe for applying data and analytics to their business will find themselves playing catchup.