Posted: 7/5/2012
Disparate Impact Theory [F/S]
Our Position
NAMIC opposes all efforts by policymakers at both the state and federal to impose the disparate impact standard onto the provision of homeowners insurance. Doing so could undermine the risk-based underwriting process, while triggering a wave of frivolous litigation, and would also violate the jurisdiction of the states to regulate insurance under the McCarran-Ferguson Act.