Coastal Property Consulting
As a leader in coastal property and casualty insurance risk management and actuarial services, we provide consulting services to insurance companies, state insurance departments, and other businesses to help them quantify and manage catastrophe and other exposures.
There is a unique nature to property insurance work in coastal states, and all insurance lines in the state of Florida. Few firms in the country have as much experience with this specialty as Merlinos & Associates. Our consultants have been involved in the coastal property insurance market since 1987, well before Hurricane Andrew. Our coastal work and Florida work includes:
- Development of programs and rating support acceptable to Florida Office of Insurance Regulation (OIR) actuaries and management
- Fluency in Florida OIR rate filing systems, including RCS
- Catastrophe Excess of Loss Reinsurance structure analysis
- Extensive communications and long-term working relationships with all levels of regulatory personnel at the Florida OIR
- Preparation of quarterly and annual loss and LAE reserve estimates and reports
- Using Computer Simulation models in ratemaking, reinsurance treaty analysis, risk management and planning
- Traditional rate structure analysis (territory, deductibles, etc.)
- Development of new ratemaking techniques that incorporate the latest technologies and data available, while making the results acceptable in rate filings to regulatory agencies
- Providing expert testimony in hearings related to property insurance rate filings
Active participation in the activities of the:
- Florida State Legislature
- Florida Insurance Council
- Florida Insurance Summit
- Florida Hurricane Catastrophe Fund
- Florida Commission on Hurricane Loss Projection Methodology
- Institute for Business and Home Safety
- Property Casualty Insurers Association of America
- Risk and Insurance Management Society
Other Coastal Activity
- BLOG: What About Louisiana Senate Bill 19?
- BLOG: Florida SB386 and HB821 – What Do They Do?
- BLOG: Breaking Up is Hard to Do
- BLOG: Citizens Property Insurance Corporation’s Clearinghouse Proposal
- BLOG: Should Florida Citizens Issue Surplus Note Loans?
- Merlinos Sponsors 2012 Florida Chamber of Commerce Insurance Summit
- Rate Controversy in Florida
- M&A Consultant Interviewed About Coastal Insurance Rates in South Carolina
- M&A Attends Florida Office of Insurance Regulation 2012 Industry Conference
- Merlinos to Attend Florida Depopulation Summit
- BLOG: The Impact of FORTIFIED Building Standards
- M&A Attends South Carolina Insurance Policy Review Workshop and Public Input Session
- Merlinos & Associates Consultants Attend Florida Insurance Summit
- Mark Brannon to Attend Reinsurance Association of America Cat Modeling Conference
- Merlinos Consultants Attend Florida Chamber of Commerce Insurance Summit
- BLOG: Commission Formed to Examine Availability and Affordability of Alabama Homeowners Insurance
- BLOG: A Year of Varied Catastrophes
- BLOG: Capital Alternatives for Florida Property Insurers
- BLOG: The Receding Tide of the National Flood Insurance Program
- BLOG: Bad Faith
- BLOG: SB 408: A Modest Proposal
- Mark Brannon to Attend Florida Commission on Hurricane Loss Projection Methodology Meeting
- Merlinos Consultants Attend Florida Hurricane Catastrophe Fund Workshop
- Florida HB 803, SB 408 Reviewed on April 14
- BLOG: Comments on the recently released RMS Hurricane Model
- BLOG: The world’s property and casualty amusement park
- BLOG: Impact of sinkhole changes in Florida Senate Bill SB 408
- BLOG: Will the new RMS model have a significant impact on homeowner insurance premiums in Florida?
- Merlinos & Associates Consultants Attend Florida Insurance Summit
- Update on Mark Brannon’s I-File Presentation at AICP Conference
- Mark Brannon Speaks at Association of Insurance Compliance Professionals (AICP) Conference
- BLOG: A Tale of Two States: Louisiana and Florida
- BLOG: Mark Brannon comments on Florida SB 2044
- Peter Scourtis visits the Florida Hurricane Catastrophe Fund’s Participating Insurers Workshop
- Peter Scourtis speaks at Florida Windstorm Mitigation Committee meeting
READ A COASTAL PROPERTY CASE STUDY BY CLICKING HERE