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We are the Insurance Information Institute. Since 1960, the "Triple I" has had a single mission: To improve public understanding of insurance—what it does and how it works. We are here to serve everybody: consumers; students and educational institutions; insurance professionals; government and regulatory organizations; and the media. Learn More
Disasters + Preparedness Recovering from an earthquake

Earthquakes happen without warning and they can cause damage even in areas where tremors aren't a known issue. If you've experienced a seismic event, here's what you need to do to be safe in the aftermath. See also: What is covered by standard homeowners insurance?

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Publications Settling insurance claims after a disaster
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Disasters + Preparedness How to file a wildfire claim in California
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Insurers respond to California wildfires

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Publications Surviving severe cold weather

Much of the country periodically experiences severe and sustained cold weather, with snowfalls interspersed with periods of melting and freezing. This can inflict considerable damage on homes. Here are some tips and steps you can take to make insurance losses less likely during extended severe weather.

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Sleep and insurance
Disasters + Preparedness Protect your home from winter weather
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Auto results: Ups and Downs
Other Insurance Topics Social host liability
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Insight + Analysis

Catastrophes Facts + Statistics: Wildfires

From January 1, 2018, to October 26, 2018, there were 50,546 wildfires, compared to 52,572 wildfires in the same period in 2017, according to the National Interagency Fire Center. The Camp wildfire broke out in Butte County, California, on November 8 and became the deadliest and most destructive fire on record. Further south two other major fires, Hill and Woolsey are still burning. Learn more here. See also: California State Fact Sheet

FACTS + STATISTICS
Commercial Small business, big risk: Lack of cyber insurance is a serious threat
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Insurance Industry Employment Trends: 1990-2018 (September 2018)
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About the Industry How Insurance Drives Economic Growth
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Insurance Industry Inflation Watch - October 2018
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I.I.I. Glossary

SPREAD OF RISK- The selling of insurance in multiple areas to multiple policyholders to minimize the danger that all policyholders will have losses at the same time. Companies are more likely to insure perils that offer a good spread of risk. Flood insurance is an example of a poor spread of risk because the people most likely to buy it are the people close to rivers and other bodies of water that flood. (See Adverse selection )

GUARANTEED DEATH BENEFIT- Basic death benefits guaranteed under variable annuity contracts.

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I.I.I. News Wire

Florence and Michael were 2018 Atlantic hurricane season's most damaging storms

FOR IMMEDIATE RELEASE Kim Kirchner, Coburn Communication: (212)-536-9837; Kim.Kirchner@coburnww.com New York Press Office: (212) 346-5500; media@iii.org NEW YORK, November 29, 2018 — The 2018 Atlantic hurricane season was less active than the 2017 season but still caused extensive property… Read More

California’s wildfire evacuees may be eligible for additional living expenses

FOR IMMEDIATE RELEASE Kim Kirchner, Coburn Communication: (212)-536-9837; Kim.Kirchner@coburnww.com California Press Office: (707) 490-9365; janetr@iii.org New York Press Office: (212) 346-5500; media@iii.org ROHNERT PARK, CA, November 15, 2018 —Californians who were ordered to leave… Read More

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Events Calendar

Joint Industry Forum
January
17
2019
Marriott Marquis - New York, NY Website
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