How to Read an EP Curve: Occurrence vs Aggregate Loss
Your cat report has a curve, not a number. Here is how to read it: occurrence vs aggregate EP, what a 100-year point really means, and why the tail wags the tower.
The Mint Report: How Often AI Cited Risk Coverage Hub (September 2026)
7,683 AI citations in one month vs 124 web clicks. The receipts, article by article.
HO-3 Named Perils Quick Reference: Why Your Belongings Are Not Covered Like Your House
The 16 HO-3 named perils for Coverage C contents, the Coverage A vs Coverage C asymmetry, and HO-5 as the upgrade.
FNOL Duty to Report: Dangerous Conditions, Notice Requirements, and What Stalls Claims
FNOL duties, notice requirements, and dangerous conditions that can stall a property insurance claim.