Insurance
Below are various resources on insurance issues related to housing.
FHCCI Resources:
HUD Guidance:
- U.S. Department of Housing & Urban Development, Reinstatement of HUD’s Discriminatory Effects Standard, March 17, 2023
- U.S. Department of Housing & Urban Development, Application of the Fair Housing Act’s Discriminatory Effects Standard to Insurance, October 5, 2016
- U.S. Department of Housing & Urban Development, HUD Memo on Insurance Policy Restrictions as a Defense for Denial of Reasonable Accommodations, June 12, 2006
Reports of Interest:
- A Guide for State and Local Governments to Protect People Financially in the Lead-up to and Aftermath of Climate Disasters, Equitable & Just Insurance Initiative, April 10, 2025
- Managing the Climate Change-Fueled Property Insurance Crisis, Center for American Progress, April 2, 2025
- Overburdened: The Dramatic Increase in Homeowners Insurance Premiums and its Impacts on American Homeowners, Consumer Federation of America, April 1, 2025
Cases of Interest:
- Maryland Insurance Administration takes action against Erie Insurance for discriminatory business practices, March 13, 2025
- Property Casualty Insurers Association of America v. U.S. Department of Housing & Urban Development, Northern District of Illinois, March 26, 2024
- Baugh v. Covington Specialty Insurance Co, April 2018
- National Fair Housing Alliance Settles Disparate Impact Lawsuit with Travelers Indemnity Company, District of Columbia, February 23, 2018
- Viens v. Am. Empire Surplus Lines Ins. Co., Connecticut District Court, June 23, 2015
- National Fair Housing Alliance v. Allstate, 2013
- Nevels v. Western World Insurance Company, Inc., Western District of Washington, December 10, 2004
- National Fair Housing Alliance v. Prudential Ins. Co., District of Columbia, July 9, 2002
- Wali v. Allstate Insurance, District of Columbia, September 30, 1999
- Housing Opportunities Made Equal v. Nationwide, Virginia State Court, October, 1998
- U.S. v. Nationwide, Southern District of Ohio, August 6, 2015
- National Fair Housing Alliance, et al v. State Farm, 1996
- Nationwide Mut. Ins. Co. v. Cisneros, 6th Circuit, May 1, 1995
- United Farm Bureau Mut. v. Human Rel. Com’n, 7th Circuit, May 23, 1994
- Mackey v. Nationwide Ins. Companies, 4th Circuit, January 6, 1984
