Underwriters that roll out predictive models should focus on data quality, according to experts. Demonstrating the need for new models to underwriters can be difficult, said Rich Kirste of Berkshire Hathaway Homestate. "The first reaction from some underwriters is to reject it at almost a molecular level," Kirste said. In addition, the use of predictive models requires backing from senior management, said Karen Moritz of United Services Automobile Association.

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