Insurance Redlining : Disinvestment, Reinvestment, and the Evolving Role of Financial Institutions

Overview

The redlining debate, and this book, address discrimination in the homeowners' insurance market based on racial or ethnic characteristics of neighborhoods or individuals that are unrelated to risk. This book brings new evidence to bear on the issues that have framed almost 30 years of debate over insurance redlining—providing a framework for the development of public policy, private industry practice, and partnerships with community-based organizations that can facilitate insurance availability. Contents: Race, ...
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Overview

The redlining debate, and this book, address discrimination in the homeowners' insurance market based on racial or ethnic characteristics of neighborhoods or individuals that are unrelated to risk. This book brings new evidence to bear on the issues that have framed almost 30 years of debate over insurance redlining—providing a framework for the development of public policy, private industry practice, and partnerships with community-based organizations that can facilitate insurance availability. Contents: Race, Politics, and the Law: Recurring Themes in the Insurance Redlining Debate, Gregory D. Squires; Availability and Affordability Problems in Urban Homeowners Insurance Markets, Robert W. Klein; Agent Location and the Availability of Homeowners Insurance, Jay D. Schultz; Documenting Discrimination by Homeowners Insurance Companies through Testing, Shanna L. Smith and Cathy Cloud; The Discriminatory Effects of Homeowners Insurance Underwriting Guidelines, D.J. Powers; Racial Justice and the Role of the Justice Department in Combating Insurance Redlining, Richard J. Ritter; Insurance Claims Distribution, Tom Baker and Karen McElrath; The Application of the Federal Fair Housing Act to Homeowners Insurance, Stephen Dane; NAACP v. American Family, William H. Lynch; What's Working: Insurance as a Link to Neighborhood Revitalization, George Knight; Model Regulation Clarifying Application of the Federal Fair Housing Act to Homeowners Insurance, Gregory D. Squires.

Author Biography: Gregory D. Squires is Professor of Sociology at the University of Wisconsin-Milwaukee. Among his many publications, he has authored "Capital and Communities in Black and White: TheIntersections of Race, Class, and Uneven Development" (SUNY Press, 1994) and edited "From Redlining to Reinvestment: Community Responses to Urban Disinvestment" (Temple University Press, 1992).

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Product Details

  • ISBN-13: 9780877666660
  • Publisher: Urban Institute Press
  • Publication date: 1/1/1997
  • Pages: 280
  • Sales rank: 1,267,461

Table of Contents

Acknowledgments
Foreword
1 Race, Politics, and the Law: Recurring Themes in the Insurance Redlining Debate 1
2 Application of the Federal Fair Housing Act to Homeowners Insurance 27
3 Availability and Affordability Problems in Urban Homeowners Insurance Markets 43
4 Homeowners Insurance Availability and Agent Location 83
5 Documenting Discrimination by Homeowners Insurance Companies through Testing 97
6 The Discriminatory Effects of Homeowners Insurance Underwriting Guidelines 119
7 Insurance Claims Discrimination 141
8 NAACP v. American Family 157
9 Racial Justice and the Role of the U.S. Department of Justice in Combating Insurance Redlining 187
10 What's Working: Insurance as a Link to Neighborhood Revitalization 215
App Model Regulation Clarifying Application of the Federal Fair Housing Act to Homeowners Insurance 235
Index 241
About the Editor 255
About the Contributors 257
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