Andrew’s Substack

My personal Substack

By Andrew Engler

· Over 1,000 subscribers

The Commercial Insurance Technologies Getting Attention Right Now

From AI-powered underwriting to real-time climate intelligence, commercial insurance has entered its predictive era.

May 27•Andrew Engler

12

The Gap Between Price and Risk

May 12•Andrew Engler

10

Lost Your Home Insurance in California? Start Here.

Mar 24•Andrew Engler

12

Wildfire Risk Isn’t Binary: Lessons from Topanga Canyon

Mar 9•Andrew Engler

9

1

When You Rebuild a Home, You Redefine Its Insurability

Homeowners rebuilding after the Eaton Fire are making construction decisions that could change how they’re insured.

May 5•Andrew Engler

10

Why Insurers Can Leave the Market – But Not the Risk

The paradox of the carrier exodus: insurers operating in California can pull back, but they can’t fully shed their financial liability.

Apr 8•Andrew Engler

7

Lost Your Home Insurance in California? Start Here.

Introducing the RockRose Mitigation Credit, giving homeowners credit for wildfire hardening that can lower FAIR Plan premiums by up to 24%.

Mar 24•Andrew Engler

12

Wildfire Risk Isn’t Binary: Lessons from Topanga Canyon

Rising wildfire exposure, shrinking insurance capacity, and the question of how homes in fire country remain insurable.

Mar 9•Andrew Engler

9

1

Why Hardening Structures Changes Everything

When resilience is quantified correctly, insurance pricing follows.

Feb 19•Andrew Engler

10

The LA Fires and the Limits of Reactive Insurance

After decades of reactive models, prevention is finally becoming insurable.

Jan 22•Andrew Engler

3