Highlights from the Show

• Curtis shares about his work to increase education and understanding through his content is trying to help.

• His main work is as President of National Insurance Inspection Services, who not only helps carriers by performing underwriting inspections, but also developed a self-inspection app that carriers have embraced to increase their understanding of the risks they write and help homeowners reduce the risk they face.

• Insurers don’t get it right on every claim. Yet Curtis believes the industry as a whole does not systematically or intentionally get it wrong, despite the popular narrative in the media. There is a general lack of understanding and education out there that is degrading the general public’s sense of the insurance industry and the role it plays in the economy driven by the widespread, negative narrative that is not unlike the narrative that drives engagement in so many other areas. Negativity gets eyeballs and keeps them much better than positivity.

• Regardless of what drove the current situation with the cost of homeowners insurance and the insufficiency of rates, blame won’t solve the problem. That’s been the driving force behind the work Curtis does under the name “LO$$ RATIO”, including his viral raps and memes. As homeowners continue to struggle to find and afford coverage in many parts of the US and carriers struggle to sell insurance at an economically viable rate, Curtis hopes more understanding and conversation helps change the situation.

• What if insurers allocated even a small proportion of the overall ad spend of the industry to educate consumers and help improve some of the public perception of the insurance industry, and the knock on effect that has on issues like social inflation. That’s the dream Curtis has to help drive the necessary shift in the negative dynamic we are struggling with today.

This episode is brought to you by The Future of Insurance thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook.

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Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.