public-private risk pool. The default frame was changed so the homeowner could either opt-in by purchasing this coverage or … opt-out of being given this protection and receiving a premium discount. Assigning participants to a public-private risk …

ex post expenditures, we consider the option of mandatory comprehensive private disaster insurance with risk-based rates …This paper explores options for programs to be put in place prior to a disaster to avoid large and often poorly …-managed expenditures following a catastrophe and to provide appropriate protection against the risk of those large losses which do occur …