Core Conversations

• Can We Bridge the Widening Property Insurance Gap?

  For years homeowners’ insurance was just there. It was a safety net in the background, ready to catch someone when disaster struck. But now, that net is fraying, and homeowners are scrambling to understand why coverage is becoming so expensive — or in some areas, nearly impossible to obtain.Homeowners across the country — especially in wildfire-prone states like California — are seeing their premiums skyrocket, their policies canceled, or, in some cases, they are left without any options at all. Insurers too are feeling the pressure. For years, they relied on traditional risk models to calculate premiums, issue policies, and assume predictable loss patterns. But the landscape is changing. Rising claims, extreme weather events, and economic pressures are pushing the industry to a breaking point.At the center of this crisis is a fundamental question: how does the industry adapt to a world with accelerating natural hazard risk? On this episode of Core Conversations, host Maiclaire Bolton Smith sits down with the co-founder of Wows Insurance to talk about this issue and what can be done to address this ongoing crisis.In This Episode2:46 – Why are insurers paying out more than they are taking in?4:48 – What will happen to the housing market if insurance becomes too expensive or impossible to get?6:52 – Are there alternative paths to providing insurance beyond the traditional avenues?9:51 – How can governmental policy development and homeowner participation help improve insurance accessibility?14:08 – Is it possible for insurance to remain a profitable business long-term?17:10 – Erika Stanley does the numbers in the housing market in The Sip.18:12 – How do you insure the value of a home long-term as the market continues to drive up prices?22:26 – Comparing the 2024 and 2025 California wildfire season.24:27 – In which other states is wildfire risk increasing dramatically?26:43 – What does the future landscape of wildfire insurance look like?Up Next: The Homes the LA Wildfires Left: A Hidden Insurance Crisis?Links: Will Trump Tariffs Harm Home Affordability?What Is the Real Price of LA’s Wildfire Disaster?What Will a Second Trump Presidency Mean for U.S. Housing?Explore CoreLogic DataRead CoreLogic Intelligence Find full episodes with all our guests in our podcast archive here: https://clgx.co/3HFslXD5 Copyright 2025 CoreLogic Will Trump Tariffs Harm Home Affordability?What Is the Real Price of LA’s Wildfire Disaster?What Will a Second Trump Presidency Mean for U.S. Housing?Explore CoreLogic DataRead CoreLogic...

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• New Tariffs, Higher Costs — Who Really Pays the Price?

  As the U.S. waits for the final decision on the fresh tariffs imposed on Canadian, Mexican, and Chinese imports, the housing industry is bracing for the impact of this policy decision. With material costs already a growing concern, these new trade policies could send ripples through supply chains, development timelines, and affordability.Tariffs on steel, lumber, concrete and other key building materials have the potential to drive up construction costs, exacerbating an already tight housing market. Builders and developers may need to rethink sourcing strategies, while policymakers weigh the broader economic consequences of trade restrictions on inflation and consumer spending.From rising home prices to shifting supply chains, host Maiclaire Bolton Smith sits down with industry experts Pete Carroll CoreLogic's, EVP of Public Policy and Industry Relations, and Jay Thies CoreLogic's Vice President of Pricing Analysis and Delivery to explore the immediate and long-term effects of these tariffs. Tune into this episode of Core Conversations to listen to the break down on what thse tariffs could mean for homebuilders, affordability, and the future of the housing market.In This Episode:2:10 – What are Trump’s tariffs and how will they affect the property industry — particularly construction?5:50 – What are the preliminary estimates on how much tariffs could increase homebuilding costs?9:12 – Will adding additional cost to homebuilding conflict with Trump’s executive order to provide affordability relief to the housing market?13:58 – How will material and labor costs be affected?16:32 – Erika Stanley does the numbers in the housing market in The Sip.17:32 – Canadian lumber tariffs, they’re not new, but these tariffs will make them substantial.19:22 – Could the U.S. domestically supply the necessary materials for home construction? Are there alternative materials that could be used?22:30 – Will the tariffs have long-term consequences on U.S. home affordability?24:54 – How will these tariffs affect rebuilding efforts following January’s Los Angeles wildfires?28:30 – Will these tariffs affect the future of the U.S. property market?Up Next: What Will a Second Trump Presidency Mean for U.S. Housing?Links: What Is the Real Price of LA’s Wildfire Disaster?Construction Cost Update ReportRead CoreLogic Intelligence Find full episodes with all our guests in our podcast archive here: https://clgx.co/3HFslXD5 Copyright 2025 CoreLogic What Is the Real Price of LA’s Wildfire Disaster?Construction Cost Update ReportRead CoreLogic Intelligence

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• Will Congress Regulate AI's Rapid Growth in Real Estate?

  From Capitol Hill to the mortgage industry, AI is everywhere. It’s even finding its way into the halls of government. But while AI promises innovation, it’s also raising a ton of questions—especially for policymakers.Last year, Congress introduced over 350 AI-related bills, and while many of these bills simply served to spark debate, it’s clear that lawmakers are considering everything from data privacy to mitigating bias in algorithms. Now, with a new Congress in session, the real question is: will AI regulation finally take center stage?Although no property-focused AI bills made it to the floor last session, there’s been plenty of groundwork. From Senate hearings on AI in financial services to conversations about the technology’s impact on housing, policymakers have been laying the foundation for regulation. One theme keeps emerging: the need to balance innovation with fairness.Technology often moves faster than regulation, but if regulators move too fast or ignore industry concerns, it could stall progress. And then there’s the wildcard: the Supreme Court’s 2024 repeal of the Chevron doctrine, which shifted interpretive power from agencies to the courts. This means Congress now has to be ultra-specific when drafting laws, which could further slow regulation initiatives.The future of AI regulation may be uncertain, but one thing’s clear: the stakes couldn’t be higher. In this episode of Core Conversations, host Maiclaire Bolton Smith and Russell McIntyre, an expert in public policy and industry relations at CoreLogic, discuss the need for AI regulation and how the government could approach this task.In This Episode:1:50 – Is the U.S. government currently regulating AI? What about AI in the property industry?5:19 – Whose responsibility is it to regulate AI?7:19 – How will the Chevron doctrine going to influence AI regulation in Congress?10:00 – What are the concerns and opportunities if AI regulations change in the property industry?12:28 – How will AI affect climate science?14:27 – Erika Stanley goes over the numbers in the property market with The Sip.15:26 – Is it impossible to eliminate inherent bias in AI technology?17:49 – How will the U.S. government handle AI and how can companies prepare for upcoming regulations around AI?Up Next: What Are the Ethical Implications of AI in the Property Industry?Links: What Are the Ethical Implications of AI in the Property Industry?SEC Climate Disclosure Guidance Timeline Pause: Why Companies BenefitExplore CoreLogic DataHazard HQ Command CentralRead CoreLogic Intelligence Find full episodes with all our guests in our podcast archive here: https://clgx.co/3HFslXD5 Copyright 2025 CoreLogic What Are the Ethical Implications of AI in the Property Industry?SEC Climate Disclosure Guidance Timeline...

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  23:36
• The Homes the LA Wildfires Left: A Hidden Insurance Crisis?

  January’s wildfires in Los Angeles will leave scares. Even those whose homes seem to be structurally sound may actually be hiding severe damage that will only be uncovered as LA begins to recover and rebuild. Garret Gray, CoreLogic’s President of Global Insurance Solutions is one such case. Following a harrowing race against time to evacuate the threatened area with his family, Garret prioritized safety, not possessions. Miraculously, while nearby homes burned to the ground, his house remained standing.While at first glance this seems like a small miracle, on the inside, the hidden damage tells a very different story — a story that highlights a significant and often-overlooked cost of wildfires: the massive, unanticipated strain on the insurance industry from homes that appear intact but are uninhabitable. Garret’s home, while structurally sound, was inundated with soot, ash, and toxic smoke particles.His story is one of many. While the focus must remain on the families who have lost everything, it’s crucial to recognize the hidden costs for those who only experienced partial damage. Homes like Garret’s reveal a secondary, equally significant layer of loss that will also take years to recover from and may have long-term implications for insurers grappling with claims far more complex than they initially appear.In this episode of Core Conversations, host Maiclaire Bolton Smith and CoreLogic’s President of Global Insurance Solutions Garret Gray sit down to discuss the emotional and financial toll that these hidden losses can have on families, communities, and the insurance industry.In This Episode:2:27 – Listen to Garret Gray’s experience evacuating from the Palisades Fire and how he learned that his house remained standing.6:50 – Why do wildfires impact some homes and not others even if they are on the same street?11:22 – Erika Stanley goes over the numbers in the property market with The Sip.12:33 – What are the hidden costs of wildfires, even for homes that seem to be structurally sound?16:22 – How will the scale of this disaster – both for complete losses as well as partial losses – impact the insurance industry?21:24 – How long will it take to rebuild or restore properties in LA where the construction industry is already strained? How are we going to accommodate the demand in materials and the resulting prices?Up Next: Does Low Wildfire Risk Create a False Sense of Security?Links: Explore CoreLogic DataHazard HQ Command CentralRead CoreLogic Intelligence Find full episodes with all our guests in our podcast archive here: https://clgx.co/3HFslXD5 Copyright 2025 CoreLogic Explore CoreLogic DataHazard HQ Command CentralRead CoreLogic Intelligence

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  27:36
• How the Stories Properties Tell Shape the U.S.'s Future

  Imagine a world where every piece of property tells a story—where every plot of land, building permit, and insurance claim contributes to a dynamic narrative that evolves over time. In the first episode of Season 5 of Core Conversations, you are invited you to step beyond the ordinary view of properties as an amalgamation of square footage and floor plans to uncover the living, breathing essence of property.Join host Maiclaire Bolton Smith and CoreLogic’s Chief Data and Analytics Officer John Rogers as they take you on a journey into the $45 trillion real estate market — America’s largest and most influential asset class. Discover how every event in a property’s lifecycle, from its beginning as raw land to construction and finally its role in society — as well as everything in between like its vulnerabilities to climate risks — shapes its unique story.But this isn’t just a story about data. It’s about the groundbreaking innovations, like AI and Climate Risk Analytics, that are empowering industries like real estate, insurance, and government to navigate an increasingly complex world. Listen to real-world examples of how technology is automating listings, helping reduce wildfire insurance premiums, and driving decisions that build resilience for the future.In This Episode:1:53 – What does it mean to have the full picture of a property, and why would someone need all that data?7:17 – How can AI help someone see the full picture through all of the data that a single property (or a portfolio of properties) holds?13:18 – What will it look like to be a housing industry professional as AI evolves into an everyday tool?16:24 – How can high-quality climate data help the insurance industry in a market where it’s becoming increasingly difficult to be profitable?20:04 – Erika Stanley does the numbers in the housing market in The Sip.21:15 – How can companies use climate resilience to ensure financial resilience?27:29 – How will data increase resilience in the property industry going forward?Up Next: What Will a Second Trump Presidency Mean for U.S. Housing?Links: Explore CoreLogic DataRead CoreLogic Intelligence Find full episodes with all our guests in our podcast archive here: https://clgx.co/3HFslXD5 Copyright 2025 CoreLogic Explore CoreLogic DataRead CoreLogic Intelligence

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