A recent op-ed by Robert Hartwig, president of the Insurance Information Institute, misconstrues my research and recent testimony I gave at the National Association of Insurance Commissioners Consumer Liaison meeting in Seattle in August.
It is time to set the record straight.
In Seattle, I provided initial evidence based on a comprehensive review of the homeowners insurance market that insurance policy forms are not standardized, as they once were, and as many commentators and members of industry often assume they continue to be.
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