Ken Abraham & Tom Baker have posted to SSRN Five Sober Prescriptions for Homeowners Insurance. The abstract provides:

In this Article, we offer five sober prescriptions for homeowners insurance. The prescriptions have the virtue of being capable of implementation, having the potential to mitigate the homeowners insurance crisis, and not depending on unrealistic assumptions about policyholders, regulators, or markets. We are not suggesting that merely by snapping one’s fingers, these prescriptions can be adopted. There will have to be considerable political will deployed in order to adopt them. But the more severe the problem, the more likely it is that the necessary political will be available. And the homeowners insurance crisis is on the verge of being sufficiently severe to satisfy that prerequisite.

We propose stronger market incentives for mitigation and resilience, including three-year policy periods and insurer financing of home hardening; tax credits for mitigation and resilience investments; requiring homeowners insurance to cover flood damage; recognition that tort reform is not a magic bullet for controlling homeowners insurance premiums; and understanding that climate change has costs that someone must bear.

Photo of Christopher Robinette Christopher Robinette

Christopher J. Robinette, an expert in tort law and theory, was appointed Professor of Law at Southwestern Law School in 2021.  He teaches Torts, Products Liability, and Foundations of Tort Law Seminar.

Professor Robinette serves as the United States Representative to the European…

Christopher J. Robinette, an expert in tort law and theory, was appointed Professor of Law at Southwestern Law School in 2021.  He teaches Torts, Products Liability, and Foundations of Tort Law Seminar.

Professor Robinette serves as the United States Representative to the European Group on Tort Law.  In 2012, Robinette was elected a member of the American Law Institute (ALI); in 2019, the ALI Council appointed him as Adviser to the Restatement of the Law Third, Torts.  Robinette also serves on the editorial board of the Journal of Tort Law, the only peer-reviewed journal devoted to tort law in the United States, where he previously served as editor-in-chief. He serves as an editor of a leading torts treatise, Harper, James & Gray on Torts, and a leading insurance treatise, New Appleman on Insurance Law Library Edition.  Additionally, Robinette edits TortsProf Blog, a member of the Law Professor Blogs Network. He is an elected member of the European Centre for Tort and Insurance Law and a contributing editor at JOTWELL Torts. Robinette served as chair of the AALS Torts & Compensation Systems Section in 2017.

He has presented on tort law across the United States and the world, including the United Kingdom (Oxford), Poland, Austria, and Malaysia (where he won a “Best Paper” award).  Professor Robinette’s work has been cited by federal and state courts in numerous jurisdictions.  He is frequently quoted in the media in outlets such as the Associated Press, Bloomberg, Reuters, and The Washington Post.

Before coming to Southwestern, Robinette was Professor of Law at Widener University Commonwealth Law School, where he won both scholarship and teaching awards on multiple occasions.  In 2018, he received the Lindback Foundation’s Award for Distinguished Teaching at Widener, a university-wide recognition awarded to one professor per year.  Robinette was also a visiting professor at the University of Iowa and Washington University in St. Louis.

Robinette served on the Advisory Board of Salvation Army corps in both Charlottesville, Virginia and Harrisburg, Pennsylvania; he was Chair of the Harrisburg Capital City Region Advisory Board from 2010-2012.  He was a member of the UPMC/Pinnacle Health Ethics Committee for several years, primarily addressing end-of-life issues.

Robinette litigated tort and contract cases prior to becoming a law professor, experiences he uses to engage students in his classes.

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