Since 2002, the property insurance market has been stabilized by a federal terrorism risk reinsurance program in place through the Terrorism Risk Insurance Act (TRIA). By providing a risk-sharing program for particular terrorist acts, TRIA and subsequent reauthorizations by Congress have fostered stability in the property insurance market. However, this critically important program expires at the end of 2014. For property insurance policies extending into 2015, clouds are on the horizon, as ...

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