Demotech is a ratings company since 85' and they are going to do some dirty work to assist in the collapse of the housing markets. https://duckduckgo.com/?q=demo+tech+ratings&t=brave&ia=web Currently over 60 % of mortgages require the holder to keep and maintain A rated insurance carries. If your insurance gets down rated, by Demotech you will be susceptable to a Default on your loan unless you replace the coverage with another A rated carrier. These types of changes will be taking place immediately as insurance carriers are impacted by many factors, mainly the games of (D)emonrats by design. Keep an eye on the mail for insurance mail and get to know who you have coverage with so you can monitor ratings changes. You may just get a default letter from your mortgage company during this high level treasonous gamesmanship. BE WARNED. Do your homework in advance to be ready for these chanages starting MONDAY. https://duckduckgo.com/?q=insurance+rating+changes+housing+market&t=brave&df=w&ia=web