Financial impairment frequency (FIF) typically rises both during, and shortly after periods of economic and financial market stress, says A.M. Best. in its "2010 Special Report: U.S. Property/Casualty – 1969-2009 Impairment Review.” This is evident in the 2008 and 2009 numbers being reported by the company.

U.S. property/casualty insurer financial impairments have more than tripled since 2007, the last full year before the current recession, rising to 18 in 2009, up from 16 in 2008 and from five in 2007. Six of the 2009 impairments were homeowners and residential insurers affecting some 200,000 policyholders.

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