September 25, 2023· 45 min

Why Insurers Are Pulling Out of High-Risk Areas

Melanie Gall

Orality

Model

73%

Oral-dominant (speeches, podcasts, storytelling)

Speaker Breakdown

HostJoe Weisenthal(1,210 words)

M:92%

HostTracy Alloway(1,607 words)

M:28%

GuestMelanie Gall(4,667 words)

M:28%

Oral Indicators

Agonistic31%

literally, completely, very

Engagement77%

you, our, your

Memory Aids100%

listen, now, like

Repetition100%

insurance (107x), like (97x), know (90x)

Parallelism100%

And I'm Joe Wiesenthal...., So an interesting one to watch..., And I guess I guess it'll by b...

Sound Patterns89%

76 question(s), alliteration: "markets move", alliteration: "barclays brief"

Formulaic Phrases5%

you know what, i mean

Literate Indicators

Hedging8%

probably, might, maybe

Passive Voice11%

be resolved, are interested, is called

Abstract Nouns20%

investment, recommendation, basement

Subordination7%

however, because, unless

Sentence Length42%

Avg: 15.5 words/sentence

Word Complexity50%

investment, analyze, anticipate

Academic Markers4%

research shows

Impersonal Style23%

652 personal pronouns found

Descriptive Style92%

literally, completely, extremely

Description

This year has seen a spate of insurance companies announcing that they're leaving markets like Florida and California, citing the increased risk of natural disasters, such as floods and wildfires. Elsewhere, premiums for certain types of insurance are skyrocketing — yet many insurance companies can't seem to turn a profit in certain areas. Melanie Gall is the co-director of the Center for Emergency Management and Homeland Security at Arizona State University, and she also manages the Spatial Hazard Events and Losses Database for the United States, known as SHELDUS. In this episode, we talk to her about what's driving insurers away from certain markets, and what can still be done to protect businesses and homeowners from catastrophe. See omnystudio.com/listener for privacy information.

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