Redlining refers to discrimination in the homeowners' insurance market based on racial or ethnic characteristics of neighborhoods or individuals that are unrelated to risk. This book brings new evidence to bear on the issues that have framed almost 30 years of debate over insurance redlining, providing a framework for the development of public policy, private industry practice, and partnerships with community-based organizations that can help make insurance available. Contributors include academics, community organizers, private attorneys, and staffs of government agencies and nonprofit organizations. Contributors include: Tom Baker and Karen McElrath; Stephen Dane; Robert Klein; George Knight; William Lynch; Richard Ritter; Jay Schultz; D.J. Powers; and Shanna Smith and Cathy Cloud.Differential treatment was categorized as discriminatory when a substantive difference was detected relating to: ac Cost, ... Type of policy, when the minority tester was not offered access to a replacement-cost or guaranteed replacement- costanbsp;...
|Author||:||Gregory D. Squires|
|Publisher||:||The Urban Insitute - 1997|