December 23, 2025
Demotech, Inc. supports efforts to improve the availability and affordability of Homeowners’ insuranceWe make it easy to work with us.
We leverage readily available information that helps us assign an informed Financial Stability Rating®. FSRs help level the playing field for financially stable insurers.
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Financial Stability Rating® Notifications
April 7, 2026
Demotech Affirms the Financial Stability Rating® Assigned to Alabama Municipal Insurance CorporationMarch 19, 2026
Demotech Downgrades Financial Stability Rating® Assigned to Wilmington Insurance CompanyMarch 19, 2026
Demotech Downgrades Financial Stability Rating® Assigned to Freedom Advantage Insurance CompanyJanuary 20, 2026
Demotech Affirms the Financial Stability Rating® Assigned to MAMIC Mutual Insurance CompanyNews and Updates
November 12, 2025
Groundbreaking research project by Demotech uncovered systemic, tech-driven lawsuit practices that are destabilizing U.S. insurance markets.October 16, 2025
Independent Regional and Specialty Insurers Have Addressed Availability and Affordability for Centuries Including Residential Property InsuranceAugust 26, 2025
THE FLORIDA INSURANCE ROUNDUP PODCASTRecent Demotech Difference Articles
Winter 2026
Demotech’s Research Project, Kozikowski’s Research, and a Speed Bump for the Online Business Model They UnearthedWinter 2026
Inside the Research That Connected Litigation Frequency and Litigation FundingWinter 2026
Google AI Hits the Nail on the HeadWinter 2026
The Unearthing of “Something New” Has Historically Been a “New Risk”Impacting Solvency
The Demotech Difference
The Demotech Difference is a quarterly magazine that facilitates meaningful communication and discussion. Each issue features unique perspectives from subject matter experts on emerging concepts, tools, and techniques, to encourage learning and the evolution of our industry.
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What We Do
Financial Stability Ratings® (FSRs) are a leading indicator of the financial stability of Property and Casualty insurers, Title underwriters, and other risk-bearing entities. Our rating process provides an objective baseline for assessing solvency based upon changes in financial stability, as presented in an insurer’s balance sheet over time. FSRs are based upon a series of quantitative ratios and certain qualitative factors.