In this episode of the Ironclad Underwriting Podcast, host Jason Williams and co-host Frank Patalano break down the growing impact of insurance costs on commercial real estate underwriting. From rising premiums and DSCR pressure to refinancing risks and stress testing models, they explain why insurance is no longer just a fixed expense and how investors can prepare for unpredictable market shifts.

Topics Covered

• Why insurance premiums in Texas and Florida have become so unpredictable

• How insurance carrier competition is slowly returning to certain markets

• The benefits of master insurance policies and portfolio bundling

• Why insurance is now one of the top three operating expenses in multifamily investing

• How to stress test insurance growth assumptions in underwriting models

• The ...