Water, Wind, & Wildfire – How Carriers Are Changing Property Coverage

Climate-driven losses are reshaping property forms and deductible structures — even in states like MA.
• Named storm, wind/hail, and wildfire deductibles on the rise
• Hidden exclusions and coverage tightening in HO and CP forms
• The rise of separate risk policies (fair plans, excess flood, wildfire pools)
• Strategies for setting client expectations and avoiding retention fallout