Navigating Regulatory Tensions in U.S. Homeowners Insurance

Homeowners insurance is among the most regulated sectors in the U.S., with state regulations designed to balance consumer protection and insurer solvency. However, tensions persist between state regulators and consumer advocates over rate settings and regulatory approaches. J. Robert Hunter, a former Federal Insurance Administrator and Texas Insurance Commissioner, has engaged deeply with these issues, contributing actuarial expertise toward consumer protection efforts over decades. Despite his retirement, Hunter continues to influence consumer-related insurance cases as an expert witness, providing valued insights into regulatory and actuarial challenges faced by the homeowners insurance industry.