Property Insurance Crisis

7. a vehicle to transfer risk
9. a person who pays tax to the government, especially on the money that they earn
10. insurance bought by insurers
11. costly, expensive
12. to ask an amount of money for goods or a service
13. the various lines of insurance offered, such as auto, life, property insurance, etc.
14. to reduce something, e.g. premium prices
15. causing damage or destruction

1. to predict. e.g. risk
2. a large amount of mud coming down a mountain
3. a catastrophe
4. connected with national government rather than the local government of an individual state
5. based on guessing, not data
6. to move something, e.g. risk from one place to another
8. a person who lives in a particular place
13. forbid, e.g. premium price increase