{"id":1004110611,"date":"2015-01-07T12:50:25","date_gmt":"2015-01-07T20:50:25","guid":{"rendered":"https:\/\/www.commercialsearch.com\/news\/?p=1004110611"},"modified":"2022-12-08T10:03:53","modified_gmt":"2022-12-08T18:03:53","slug":"what-does-tria-extension-bill-mean-to-cmbs","status":"publish","type":"post","link":"https:\/\/www.commercialsearch.com\/news\/what-does-tria-extension-bill-mean-to-cmbs\/","title":{"rendered":"What the TRIA Extension Bill Means to CMBS"},"content":{"rendered":"<div id=\"attachment_100411\" style=\"width: 160px\" class=\"wp-caption alignright\"><a href=\"https:\/\/www.commercialsearch.com\/news\/wp-content\/uploads\/sites\/46\/2015\/01\/Huxley.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-100411\" data-attachment-id=\"1004110612\" data-permalink=\"https:\/\/www.commercialsearch.com\/news\/what-does-tria-extension-bill-mean-to-cmbs\/attachment\/1004110612\/\" data-orig-file=\"https:\/\/www.commercialsearch.com\/news\/wp-content\/uploads\/sites\/46\/2015\/01\/Huxley.jpg\" data-orig-size=\"448,289\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;5.6&quot;,&quot;credit&quot;:&quot;Stefan Falke&quot;,&quot;camera&quot;:&quot;NIKON D3&quot;,&quot;caption&quot;:&quot;Fitch Ratings Portraits June 5th 2004\\n\\nPhoto \\u00a9 Stefan Falke\\nstefanfalke@mac.com\\nwww.stefanfalke.com&quot;,&quot;created_timestamp&quot;:&quot;1401963328&quot;,&quot;copyright&quot;:&quot;Stefan Falke&quot;,&quot;focal_length&quot;:&quot;125&quot;,&quot;iso&quot;:&quot;100&quot;,&quot;shutter_speed&quot;:&quot;0.125&quot;,&quot;title&quot;:&quot;???????????????????????????????????????????????????????????????????????????????????????????????????&quot;}\" data-image-title=\"???????????????????????????????????????????????????????????????????????????????????????????????????\" data-image-description=\"&lt;p&gt;Fitch Ratings Portraits June 5th 2004&lt;\/p&gt;\n&lt;p&gt;Photo \u00a9 Stefan Falke&lt;br \/&gt;\nstefanfalke@mac.com&lt;br \/&gt;\nwww.stefanfalke.com&lt;\/p&gt;\n\" data-image-caption=\"\" data-large-file=\"https:\/\/www.commercialsearch.com\/news\/wp-content\/uploads\/sites\/46\/2015\/01\/Huxley.jpg?w=448\" class=\"size-thumbnail wp-image-1004110612\" alt=\"???????????????????????????????????????????????????????????????????????????????????????????????????\" src=\"https:\/\/www.commercialsearch.com\/news\/wp-content\/uploads\/sites\/46\/2015\/01\/Huxley.jpg\" width=\"150\" height=\"150\" \/><\/a><p id=\"caption-attachment-100411\" class=\"wp-caption-text\">Huxley Somerville, Fitch Ratings<\/p><\/div>\n<p><i>By Keith Loria, Contributing Editor<\/i><\/p>\n<p>At the end of 2014, the <a href=\"https:\/\/www.commercialsearch.com\/news\/headlines\/tria-reauthorization-fails-in-senate\/1004109589.html\">U.S. Senate struck down<\/a> the TRIA extension bill (Terrorism Risk Insurance Program Reauthorization Act), which provided government-sponsored property insurance in the event of a terrorist attack, and was widely supported by the real estate industry.<\/p>\n<p>A new report by Fitch Ratings, \u201cU.S. Terrorism Insurance Lapse May Lower Coverage, Hurt CMBS,\u201d predicts Congress\u2019 failure to renew the bill could have repercussions for the insurance industry and segments of the broader economy, particularly commercial real estate, mortgage lending and construction markets in the year ahead.<\/p>\n<p>According to Huxley Somerville, Fitch Ratings\u2019 managing director and head of U.S. CMBS, TRIPRA is a vital component of the CMBS market and has become common in many transactions. In fact, the report named nearly 20 Fitch-rated transactions that would be put on Rating Watch Negative without the insurance.<\/p>\n<p>\u201cAs loan documents require terrorism insurance over the life of the loan, CMBS servicers may increasingly force-place coverage from their own carriers,\u201d he said. \u201cThis would likely be at a very high cost if coverage can be found at all.\u201d<\/p>\n<p>The report goes on to say that if TRIPRA is not renewed, it would have a negative impact on ratings of office properties with loans in CMBS single-asset transactions. It could also affect some multi-borrower transactions, if the number and size of the loans lack sufficient coverage, or the risk of terrorism-related losses could not be mitigated by the rest of the pool.<\/p>\n<p>The law originally came about in the wake of the 9\/11 terrorist attacks, creating a government-backed insurance facility for businesses that suffered losses after the tragedy. Before the law was in place, insurers frequently excluded terrorism exposure from coverage.<\/p>\n<p>However, the report says, commercial property insurers have gradually enhanced their ability to measure and model exposure to terrorism events. Net exposures are managed currently through the availability of large reinsurance limits through TRIPRA.<\/p>\n<p>\u201cWithdrawal of TRIPRA reinsurance protection without readily available substitute coverage will likely prompt insurers to exclude terrorism from property coverage so as to manage geographic risk aggregations in large metro areas,\u201d Somerville said in the report. \u201cBy statute, workers\u2019 compensation writers are forbidden from excluding terrorism coverage in their policies. Therefore, the expiration of TRIPRA may lead underwriters to withdraw from writing workers&#8217; compensation in large cities that are thought to be targets for terrorism.\u201d<\/p>\n<p>Additionally, insurer withdrawal of underwriting capacity in response to a lack of terrorism reinsurance protection could have broader economic consequences for commercial real estate and construction markets.<\/p>\n<p>The report theorizes that compared to 2002, conditions remain difficult to predict whether financial and property markets have a greater propensity to adapt to an environment without a government-sponsored terrorism insurance program.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A new report by Fitch Ratings predicts Congress\u2019 failure to renew the TRIA bill could have repercussions for the insurance industry and segments of the broader economy, particularly commercial real estate, mortgage lending and construction markets in the year ahead.<\/p>\n","protected":false},"author":952,"featured_media":1004110612,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[37301],"tags":[],"class_list":["post-1004110611","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - 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