Methodology

2026-10-14

Three events re-sourced to primary records; wording tightened to match

The Americas Insurance Company (January 2022) and Lighthouse Property Insurance (April 2022) receivership events now cite the Louisiana Department of Insurance releases and the 19th Judicial District Court orders instead of news reports, and state only what those records say: the June 23, 2022 liquidation date for Americas, and the policy cancellation terms in the Lighthouse order. A clause attributing each failure to hurricane losses was removed because neither record states a cause. The Foremost Texas non-renewal event (November 2023) now cites the Houston Chronicle report of June 21, 2024 and attributes each statement to the party that made it; an earlier line describing the notices as concentrated in coastal counties was removed, since the source attributes that description to a Texas Department of Insurance spokesperson about a separate plan. Four Oklahoma docket events now identify Bob Sullivan as an interested party of record, the wording of his own filings. No event was added or removed.

2026-10-05

Flood insurance guide: the NFIP deadline had already moved when we published

Our guide to a lapse in National Flood Insurance Program authority, published September 4, 2026, said that authority would expire at 11:59 p.m. on September 30, 2026. Two days before publication, on September 2, 2026, the President had signed H.R. 6500, the Continuing Appropriations and Extensions Act, 2027, which FEMA states extends the NFIP’s authorization to December 11, 2026. The September 30 date came from a Congressional Research Service product dated February 6, 2026 that was accurate when written, and we did not check for a later extension before publishing. There was no lapse on September 30. The guide’s dates have been corrected in place, with a note at the top of the page; its account of what a lapse does and does not do was unaffected.

2026-09-21

Florida Citizens series: a stated denominator was derived rather than read

The note on our July 31, 2026 Florida Citizens figure said the comparison had been checked against “all 75 monthly rows Citizens publishes, back to May 2020.” That description of the source was wrong in two ways. Citizens’ policies-in-force page publishes 74 unique month-end rows, not 75, and its oldest row is June 30, 2020, not May 2020. The page also has no row for August 2021, so the series is not continuous and a row count cannot be converted into a start date. May 2020 appears to have been arrived at that way: May 2020 through July 2026 is exactly 75 months, which is the row count that was stated.

The underlying comparison itself re-checks as correct and has not changed. Read against all 74 published rows on September 21, 2026, the 50-policy move between June and July 2026 is still the smallest month-over-month change in either direction since the September 2023 peak, and the next smallest is still 508 in March 2024. What was wrong was the account of how far the evidence reached, which is the part a reader would use to judge the claim. The July note has been annotated in place and the August 31, 2026 figure states the denominator we actually read.