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Government Accountability Office (GAO)

An independent, non-partisan agency that works for Congress. It investigates how the federal government spends taxpayer dollars and advises Congress on ways to improve government performance.

Comptroller General

The head of the Government Accountability Office (GAO). They are responsible for leading the GAO's efforts to audit government programs and provide analysis to Congress.

Federal Insurance Office

An office within the U.S. Department of the Treasury that monitors the insurance industry, advises the Treasury Secretary on insurance matters, and represents the U.S. in international discussions on insurance.

State insurance regulators

Government officials or agencies at the state level responsible for overseeing and enforcing insurance laws and regulations within their state to protect consumers and ensure the solvency of insurance companies.

Underwriting

The process an insurance company uses to evaluate the risk of insuring a particular person, property, or business. This helps them decide whether to provide coverage, and if so, at what price and with what terms.

Mitigation practices

Actions taken to reduce the severity or impact of a disaster, such as hardening homes against fire, creating defensible space around properties, or improving forest management to lessen wildfire risk.