Center on Finance, Insurance, and Real Estate

Finance, Insurance, and Real Estate

Heartland's Center on Finance Insurance and Real Estate (C-FIRE) focuses on free-market, pro-consumer regulation of financial markets. We favor policies that empower individuals, replace centralized government authority, and pare regulations. Our efforts have involved fighting price controls, arguing against government takeovers of private markets, and abolishing subsidies for companies.

We focus on a limited subset of issues where we feel we can make a meaningful difference. When confronted with an issue, we always strive to respond as quickly as possible; we want to be in every news cycle. In carrying out our work, we make special efforts to partner with anyone and everyone who shares at least some of our views.

Visit our blog, Out Of The Storm News.

Press Releases: Finance, Insurance, and Real Estate

Ideas

  • The Flood/Wind Divide

    Following major storms, it's often impossible to determine whether winds or waters caused damage to a structure. This leads to lengthy court battles, high costs for insurers, delays for homeowners, and equally high costs for the taxpayers who back the National Flood Insurance Program. Heartland's Standardized Loss Allocation System, proposed by Sen. Roger Wicker, could fix this problem, make things better for homeowners, and save billions for taxpayers.
  • Mitigation

    The best way to prepare for natural disasters isn't buying more insurance or spending more on government relief efforts -- it's mitigation efforts to stop disaster sfrom becoming worse. MItigation efforts -- which both free market and "green" groups support -- involve doing things to encourage risk-based insurance rates, retrofit properties against nature's worst, and help individuals prepare themselves for disasters.