Insurance Crisis Incoming - How Trump Cuts Could Trigger A Commercial Real Estate Crisis | Wise Investor Segment
Millionaire Mindcast
Matt Aitchison
4.4 • 716 Ratings
🗓️ 6 June 2025
⏱️ 13 minutes
🧾️ Download transcript
Summary
In this episode of Wise Investor Segment, we delve into the looming insurance crisis and its potential to trigger a commercial real estate (CRE) downturn. With President Trump's proposed cuts to disaster relief and regulatory agencies like NOAA, concerns are rising about increased insurance premiums and reduced federal support for disaster-stricken communities. These policy shifts could significantly impact the CRE market, particularly in areas prone to natural disasters.
Join us as we analyze the intersection of insurance policy changes and tax reforms, and their combined effect on the commercial real estate sector. Gain insights into how investors and stakeholders can navigate these evolving challenges and opportunities.
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Transcript
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| 0:00.0 | What's going on wise investors? |
| 0:06.5 | Welcome back to the channel. |
| 0:08.3 | As always, we are here to help you make informed investment decisions to skill up with your commercial estate investment portfolio and overall to build and unlock wealth to live life on your terms. |
| 0:20.2 | Now, the NOAA, the National |
| 0:22.9 | Oceanic and Atmospheric Administration, just announced that it is halting its 55-year program |
| 0:30.8 | that tracks billion-dollar extreme weather events. This is an extremely big deal. Now, why? Well, we have for decades seen |
| 0:40.6 | NLAA be the commercial property insures disaster database. They are the ones who track all of the |
| 0:50.1 | data when it comes to large disasters that insurance providers pull from to set their rates, |
| 0:57.7 | right, to decide what markets they want to insure, what assets they want to assure. |
| 1:01.1 | And overall, they use the NOAA disaster data to assess risk, to price insurance, to model future |
| 1:08.5 | events. |
| 1:09.4 | And with that data gone, insurers are now essentially |
| 1:12.7 | flying blind. So why could this trigger an insurance crisis? Let me give you three fast |
| 1:20.8 | reasons. This is a potential nightmare for commercial real estate investors. I don't know if you've been |
| 1:26.0 | living under a rock for the last few years, but as commercial real estate investors. I don't know if you've been living under a rock for the last |
| 1:27.7 | few years, but as commercial real estate investors and really just many real estate investors in |
| 1:32.7 | general, we have seen insurance prices and premiums jump 10% plus year over year, many more than that, |
| 1:41.8 | depending on what market you're in and what actual factors are |
| 1:45.6 | impacting your insurance. And we've also seen with those pricing jumps, an actual decrease |
| 1:51.5 | in coverage in many situations. So how is this going to impact you as a commercial real estate |
| 1:58.3 | investor? Well, without reliable federal data, insurers will |
| 2:03.2 | assume worst case scenarios. They're going to model for the absolute worst and they're going to hope |
... |
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