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Insurers appear to have reported a year-over-year Q1 decline in earnings—and decelerating pricing across most lines, an inflow of third-party capital, reserve risks and volatile weather are creating a turning point for the property & casualty industry, according to recent reports.

In a Q1 review, Moody’s Investors Service says its rated P&C insurers reported 11% lower earnings in Q1 2014 compared to the same period last year. Moody’s attributes the drop primarily to higher weather-related losses and elevated non-catastrophe losses.

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