Valued Policy Laws in Homeowners Insurance

2011 ◽  
Author(s):  
Peter Molk
Keyword(s):  
Homeowners Insurance

Urban Homeowners Insurance Markets in Texas: A Search for Redlining

2001 ◽  
Vol 68 (4) ◽  
pp. 581 ◽  
Author(s):  
Robert W. Klein ◽  
Martin F. Grace
Keyword(s):  
Insurance Markets ◽  
Homeowners Insurance

Florida Homeowners Insurance: How Big Is the Availability Problem and Is There a Fair Solution?

2009 ◽  
Vol 12 (2) ◽  
pp. 183-197
Author(s):  
Locke Burt ◽  
Chris Carlson ◽  
Jeff Kucera ◽  
Jim Massie
Keyword(s):  
Homeowners Insurance

scholarly journals Artillery Fungus Sporulation on 27 Different Mulches — A Field Study

2004 ◽  
Vol 22 (3) ◽  
pp. 117-123
Author(s):  
Donald D. Davis ◽  
Larry J. Kuhns ◽  
Kristen Akina ◽  
T. L. Harpster
Keyword(s):  
Field Study ◽  
Wood Chips ◽  
Insurance Companies ◽  
Extended Time ◽  
Spent Mushroom Substrate ◽  
Time Periods ◽  
Wood Bark ◽  
Financial Concern ◽  
Homeowners Insurance

Abstract During the last decade, the ‘artillery fungus’ has emerged from an interesting mycological curiosity that grows in landscape mulch to a problem of major financial concern to homeowners, insurance companies, mulch producers, and landscape contractors. This common inhabitant of landscape mulch produces sticky spore masses (gleba) that it shoots towards the light or towards reflective objects such as light-colored automobiles or house siding. We evaluated 27 different mulches in the field to determine their ability to support growth and sporulation of the artillery fungus. Each mulch type was inoculated in 1998 with the artillery fungus and the amount of sporulation (number of spore masses on targets) determined annually until 2002, approximately 4 years after inoculation. We grouped the 27 mulches into nine general categories that had common characteristics: mulches that originated from large piles of bark and wood mixtures, mulches blended with 5% compost, cedar mulch, mulches commercially designated as ‘bark’ but containing considerable wood, dyed wood chips, non-dyed wood chips, cypress mulch, large bark nuggets, and 100% spent mushroom substrate. The mulches obtained from large piles shredded blends of bark and wood supported significantly greater levels of artillery fungus sporulation than did other mulches. Such highly susceptible mulches should be avoided if the artillery fungus is to be minimized. In contrast, large bark nuggets, cypress mulch, and 100% spent mushroom substrate supported less artillery fungus. Other mulches supported intermediate levels of sporulation. All wood/bark landscape mulches will eventually support the artillery fungus over extended time periods (i.e., 34 years), and even more tolerant mulches should be replaced or covered with a fresh layer of mulch on a regular basis.

Homeowners insurance and climate change

2021 ◽  
Author(s):  
Shanthi Ramnath ◽  
Will Jeziorski
Keyword(s):  
Climate Change ◽  
Homeowners Insurance
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