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Floridians spend millions litigating insurance disputes after hurricanes. There's a better way.

Breed discrimination by insurance companies is on the rise in the United States. Insurers are refusing to write homeowners' policies for people who own breeds that the insurance industry considers to be dangerous. Their decisions are based solely on the breed of the animal, not the individual characteristics of the particular dog. Dog bites are certainly a public health concern. However, the insurance industry's approach to the problem is based on faulty assumptions and improper use of dog-bite statistics. The insurance industry has prejudged entire breeds of dogs as being "too risky," instead of taking a more reasonable dog-by-dog approach to risk assessment.

Intro -- FLOOD AND HOMEOWNERS INSURANCE: CONSIDERATIONS FOR EXPANDING THE ROLE OF PRIVATE INSURERS -- FLOOD AND HOMEOWNERS INSURANCE: CONSIDERATIONS FOR EXPANDING THE ROLE OF PRIVATE INSURERS -- Library of Congress Cataloging-in-Publication Data -- CONTENTS -- PREFACE -- Chapter 1: FLOOD INSURANCE: STRATEGIES FOR INCREASING PRIVATE SECTOR INVOLVEMENT -- WHY GAO DID THIS STUDY -- WHAT GAO RECOMMENDS -- WHAT GAO FOUND -- ABBREVIATIONS -- BACKGROUND -- STAKEHOLDERS IDENTIFIED SEVERAL CONDITIONS THAT MUST EXIST TO ENCOURAGE PRIVATE SECTOR INVOLVEMENT IN FLOOD INSURANCE -- SEVERAL STRATEGIES COULD ENCOURAGE PRIVATE SECTOR INVOLVEMENT, BUT A GOVERNMENTAL ROLE WOULD LIKELY BE REQUIRED -- CONCLUSION -- AGENCY COMMENTS -- APPENDIX I: OBJECTIVES, SCOPE, AND METHODOLOGY -- Chapter 2: HOMEOWNERS INSURANCE: MULTIPLE CHALLENGES MAKE EXPANDING PRIVATE COVERAGE DIFFICULT -- WHY GAO DID THIS STUDY -- WHAT GAO FOUND -- ABBREVIATIONS -- BACKGROUND -- POLICIES COVER AND EXCLUDE VARIOUS PERILS BASED ON POLICY PROVISIONS AND OTHER FACTORS -- POLICY EXCLUSION IMPACTS COULD BE REDUCED BY EXPANDING HOMEOWNER COVERAGE, BUT PREMIUMS WOULD LIKELY INCREASE -- MULTIPLE CHALLENGES MAKE EXPANDING PRIVATE COVERAGE DIFFICULT -- AGENCY COMMENTS -- APPENDIX I: OBJECTIVES, SCOPE, AND METHODOLOGY -- APPENDIX II: INFORMATION ON THE NATIONAL FLOOD INSURANCE PROGRAM -- APPENDIX IV: INFORMATION ON THE CALIFORNIA EARTHQUAKE AUTHORITY -- INDEX.