The Future of Insurability: New Approaches and Mindsets

As a prelude to the Ten Across Convergence in Jacksonville coming up on October 22nd—where insurability planning will be a focal topic—we’re sharing a conversation Charlie Sidoti and Stephen Brandt, founders of the nonprofit InnSure. Concerned about the risk protection gap growing with climate change in the U.S., these two have applied their combined decades of insurance industry expertise to form a professional network dedicated to developing insurance products that support—and therefore incentivize—communities’ proactive fight against the risks they face.  

Ten Across participants are well-aware of disaster recovery costs soaring in this part of the country. Between 2020 and 2022, State Farm and Allstate dropped a shocking 2.8 million insurance policies in fire-prone areas of California—yet Florida and Louisiana lead the nation with even higher nonrenewal rates. Regulatory reform is struggling to relieve insurers and the insured, and the private market continues to retreat as losses exceed underwriting metrics.  

InnSure believes the insurance sector can lead the development of new models that incentivize risk reduction and community-based action—that in fact it must, in order to remain viable as an industry.  
In this episode, Charlie Sidoti and Stephen Brandt walk us through the challenges and solutions insurers consider in devising effective products to support climate risk mitigation—a preview to the multi-sector problem-solving work that attendees will undertake at the upcoming 10X Convergence.  
Relevant Articles and Resources  

Charlie Sidoti: “Running Toward Climate Risk” (InsuranceThoughtLeadership.com, August 2022)
 
“How Shutdown Gridlock Could Impede Disaster Preparedness” (The New York Times, Sept. 2025)  
“A Trump Administration Playbook: No Data, No Problem” (The New York Times, Sept. 2025)  

REPORT: “Next to Fall: The Climate-Driven Insurance Crisis is Here—And Getting Worse” (Senate Budget Committee, December 2024)  

“The risky economics of living without homeowners insurance” (Reuters, March 2024)  

Relevant Ten Across Conversations Podcasts  

Carolyn Kousky on Using Insurance Models to Drive Positive Change  

Checking in with Dave Jones on California’s Insurance Outlook  

Urban Expert Bill Fulton’s Perspective of How LA Can Rebuild Following the Fires  

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