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[I] (1994)

handle is hein.cbhear/cbhearings6307 and id is 1 raw text is: S. HRG. 103-793 HOMEOWNERS' INSURANCE DISCRIMINATION HEARING BEFORE THE COMMITTEE ON BANKING, HOUSING, AND URBANAFFAIRS UNITED STATES SENATE ONE HUNDRED THIRD CONGRESS SECOND SESSION ON THE AVAILABILITY, AFFORDABILITY, AND ACCESSIBILITY OF HOME- OWNERS' INSURANCE, PARTICULARLY IN URBAN NEIGHBORHOODS. COMMUNITY ACTIVISTS AND INTEREST GROUPS ARGUE THAT MANY URBAN AREAS HAVE INSURANCE PROBLEMS BECAUSE OF INSUR- ANCE DISCRIMINATION BASED ON RACIAL AND INCOME CHARACTER- ISTICS OF A GEOGRAPHIC AREA-I.E., REDLINING INSURERS RESPOND THAT THEY PROVIDE COVERAGE BASED ON COLOR-BLIND UNDERWRITING GUIDELINES AND THEY SIMPLY DIF- FERENTIATE BETWEEN RISKS IN PROVIDING COVERAGE TO INDIVID- UALS AT A PRICE THAT REFLECTS EXPECTED LOSSES; HIGHER PRICES, PARTICULARLY IN URBAN NEIGHBORHOODS, THAT REFLECT A GREATER RISK OF CRIME, VANDALISM, OR LOSS MAY 11, 1994 Printed for the use of the Committee on Banking, Housing, and Urban Affairs U.S. GOVERNMENT PRINTING OFFICE 84-051 CC WASHINGTON : 1994 For sale by the U.S. Government Printing Office Superintendent of Documents, Congressional Sales Office, Washington, DC 20402 ISBN 0-16-046080-8

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