At a conference where industry experts bemoaned the low level of overall returns for the property/casualty industry across all lines, they reported even bleaker numbers for homeowners insurers, debating whether the carriers sealed their own fates by failing to raise prices.

Speaking during a panel discussion at the Property/Casualty Insurance Joint Industry Forum recently, Brian Sullivan, editor for Risk Information, Inc., reported that after-tax returns for U.S. homeowners business averaged just 4 percent over the 10 years ended 2012....

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