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InsTech - insurance & innovation with Matthew Grant & Robin MerttensInsTech - insurance & innovation with Matthew Grant & Robin MerttensGarret Gray, President, Insurance Solutions: Cotality: Catastrophe models, claims tech and the power of platforms (364)What does it take to rebuild after disaster as a business leader, a homeowner and a policyholder? Garret Gray has spent his career trying to improve how insurers and property owners respond to damage. As President of Insurance Solutions at Cotality (formerly CoreLogic) and founder of Next Gear Solutions, he’s been at the centre of building tools for claims, risk assessment and recovery. But this year, the conversation became personal. A wildfire tore through Garret’s neighbourhood in California, forcing an emergency evacuation and leaving his home heavily damaged. That experience has shaped the way...2025-07-2035 minBeyond Four Walls: Conversations on Affordable HousingBeyond Four Walls: Conversations on Affordable HousingData and AI’s role in housing with Cotality’s President and CEO Patrick DoddIn this week’s episode, we welcome Patrick Dodd, President and CEO of Cotality, formerly known as CoreLogic. Cotality uses real-time property data and insights to help agents, lenders, insurers, and innovators uncover risks, seize opportunities, and drive meaningful impact across the property ecosystem. Dodd joins NHC President and CEO David Dworkin to discuss how Cotality is redefining its role in the housing ecosystem and addressing today's housing trends—from the impact of rising interest rates and insurance costs to how AI is reshaping the property and housing industry, and what it all means for younger generations stri...2025-07-0845 minThe SME StreamThe SME StreamKelvin Davidson: Cotality Chief Property Economist on property values growing slightly in JuneNew Zealand’s property values are ticking back up again.  New data from Cotality has revealed a 0.2% national increase in June, reversing the 0.1% falls that came in April and May.  The medium house price remains around the $815,000 mark, with Tauranga and Christchurch both increasing by 0.6%.  Chief Property Economist Kelvin Davidson told Mike Hosking property values are fairly flat when averaged out over a few months.  LISTEN ABOVE  The podcasts in the SME Stream contain general information only, not financial or professional advice. Any opinions expressed in the podcasts are not necessa...2025-07-0303 minThe Mike Hosking BreakfastThe Mike Hosking BreakfastKelvin Davidson: Cotality Chief Property Economist on property values growing slightly in JuneNew Zealand’s property values are ticking back up again.  New data from Cotality has revealed a 0.2% national increase in June, reversing the 0.1% falls that came in April and May.  The medium house price remains around the $815,000 mark, with Tauranga and Christchurch both increasing by 0.6%.  Chief Property Economist Kelvin Davidson told Mike Hosking property values are fairly flat when averaged out over a few months.  LISTEN ABOVE See omnystudio.com/listener for privacy information.2025-07-0303 minBeyond the BuildingsBeyond the BuildingsEnergy is a powerful bridge for the property value divideIn the second episode of Beyond the Buildings' three-part sustainability series with Cotality Australia, guest host Eliza Owen delves into this often-overlooked but increasingly pressing issue: energy efficiency in Australian homes.   But why is energy efficiency coming into the public conversation now? And what’s driving this shift?   To unpack these questions, Owen is joined by two industry leaders shaping the future of energy-smart housing. Cecille Weldon, founder of WeldonCo Advisory & Future Agent and creator of the award-winning Livability Real Estate Framework, and Tim Lawless, Research Director at Cotality Australia, are breaking down which energy-efficient investments are beneficial for homeowners and w...2025-07-0235 minFinancial Sense NewshourFinancial Sense NewshourHousing Crunch Ahead? Cotality's Chief Economist Reveals What’s Next (Preview)Jul 1, 2025 – Get an in-depth update on the US housing market with Dr. Selma Hepp, Chief Economist at Cotality. In today's FS Insider interview, Dr. Hepp discusses the latest trends in home prices, regional hot spots and cool-downs, and...2025-07-0202 minFinancial Sense(R) NewshourFinancial Sense(R) NewshourHousing Crunch Ahead? Cotality's Chief Economist Reveals What’s Next (Preview)Jul 1, 2025 – Get an in-depth update on the US housing market with Dr. Selma Hepp, Chief Economist at Cotality. In today's FS Insider interview, Dr. Hepp discusses the latest trends in home prices, regional hot spots and cool-downs, and...2025-07-0202 minBeyond the BuildingsBeyond the BuildingsHome insurance shortfalls may turn cheap homes into costly futuresThis episode of Beyond the Buildings host Maiclaire Bolton Smith and Cotality’s Assistant Vice President of Product Marketing Tom Larsen explore the escalating crisis in homeowners insurance, revealing why premiums are rising and what it means for homeowners and insurers nationwide. Discover why some states are hit harder than others, how government insurance programs can remain sustainable, and what new innovations might offer hope for homeowners. - Insurance costs are climbing non-coastal states like Oklahoma and Texas, pressuring the long-term affordability of homeownership. - Billion-dollar natural disasters, shifting risk tolerance, and more expensive reinsurance is transforming how insurers are pr...2025-06-0428 minChrisman Commentary - Daily Mortgage NewsChrisman Commentary - Daily Mortgage News6.3.25 Conferenced Out; Cotality's Molly Boesel on Single Family Rentals; Trump's Trade War ContinuesWelcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today’s episode, we determine just how many conferences is too many for the industry. Plus, Robbie sits down with Cotality’s Molly Boesel to discuss what isdriv...2025-06-0316 minThe Mike Hosking BreakfastThe Mike Hosking BreakfastKelvin Davidson: Cotality Chief Property Economist on the average age of first home buyers risingThe average first home buyer is getting older.   A Cotality-Westpac report has found the average age of first home buyers has increased to 36 nationwide.   It's 37 in Auckland, 36 in Wellington, and 35 in Christchurch – all figures are two or three years higher than average in 2019.  Cotality Chief Property Economist Kelvin Davidson told Mike Hosking there’s a range of reasons behind it.  He says the affordability measures aren’t much different than they were in 2019, so while affordability is an influence, lifestyle and career choices are definitely having an impact.  LISTEN ABOVE 2025-05-2903 minThe NZ Property Market PodcastThe NZ Property Market PodcastThe inaugural co-branded Cotality-Westpac First Home Buyer Report!Send us a question/idea/opinion direct via text message!In this special guest episode of the NZ Property Market Podcast, Kelvin Davidson and Satish Ranchhod discuss the inaugural co-branded Cotality Westpac NZ First Home Buyer Report.They explore the current economic landscape for first home buyers, key insights from the report, demographic trends, and the future outlook for the housing market.The conversation highlights the resilience of first home buyers in the market, the impact of interest rates on affordability, and the changing demographics of buyers.Sign up for news...2025-05-2914 minThe NZ Property Market PodcastThe NZ Property Market PodcastThe goldilocks zone?Send us a question/idea/opinion direct via text message!This week Nick and Kelvin discuss discuss the current state of the property market, including recent trends in sales volumes and property values (following the release of the Cotality Monthly Chart Pack). They analyse the upcoming OCR decision and its implications for the economy, as well as the recent government budget and its limited impact on the housing market. The conversation highlights the balance between monetary and fiscal policies and the overall economic landscape, emphasizing the importance of understanding inflation expectations and market dy...2025-05-2629 minBeyond the BuildingsBeyond the BuildingsCan opening federal land fix the housing crisis?Most federal land is west of the Rocky Mountains, but not all of it is primed for residential development. Explore how the right parcels of federal land could be a powerful lever in addressing America’s housing shortage. - Untapped federal land seems like endless possibilities, but without infrastructure, development costs could negate efforts to create more affordability. - The growing bipartisan interest in land-use reform has made federal land a potential solution. Cotality identified areas where development potential and need for housing intersect. - Zoning and local politics will influence whether this solution is unlocked or blocked. Learn more ab...2025-05-2124 minChrisman Commentary - Daily Mortgage NewsChrisman Commentary - Daily Mortgage News5.12.25 Housing Regulations; Cotality's Selma Hepp on Spring Home Buying Season; Tariffs Versus DataWelcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today’s episode, we look at housing policies at the state and federal level. Plus, Robbie sits down with Cotality’s Selma Hepp for a discussion on the complex dyna...2025-05-1219 minThe NZ Property Market PodcastThe NZ Property Market PodcastHome Run Podcast - Nick as guestSend us a question/idea/opinion direct via text message!As first featured and published on the Home Run podcast with David and Harps, here's the full interview with Cotality Head of Research Nick Goodall. In the interview the team explores key factors influencing property prices, buyer behavior, and market dynamics. The discussion highlights the impact of interest rates on affordability, the segmentation of buyers, and the challenges faced by first-time buyers. It also touches on the resurgence of investor interest and the tools available for navigating the property market. Overall, the...2025-05-091h 17Beyond the BuildingsBeyond the BuildingsProperty Tax Cuts Could Upend the Florida Housing MarketFlorida’s proposal to eliminate property taxes sounds like a radical affordability solution — but what would it actually cost? In this episode, Maiclaire Bolton Smith and Chay Halbert unpack the financial, political, and social tradeoffs behind this bold move. • Eliminating property taxes would gut funding for schools and public services, forcing states to consider more inconsistent funding alternatives like sales tax hikes. • Florida’s affordability crisis is already pushing people out of major cities like Miami, and this proposal could deepen inequality. • Replacing lost revenue isn’t as simple as it sounds — and may create more complex issues than it solves Florida o...2025-05-0720 minBeyond the BuildingsBeyond the BuildingsCotality is more than a name — It’s a visionCoreLogic rebranded as Cotality, and the company’s CEO Patrick Dodd explains why now was the right time to make the change. - The transition from CoreLogic to Cotality wasn’t just a rebrand, it was transformation with purpose. - What happens when a legacy powerhouse hits refresh? Beyond better serving client needs and adapt to changing market dynamics, this rebrand better showcases what this company has become. - Cotality is setting a new standard by pushing the boundaries of insight, collaboration, and impact to lead the property industry forward. In this episode of Beyond the Buildings, Patrick Dodd sits down...2025-04-3033 minBeyond the BuildingsBeyond the BuildingsHow Gen Z will write new rules for homebuyingGen Z is entering the housing market and encountering challenges both familiar and unfamiliar to previous generations. - High mortgage rates and home prices are forcing many to explore alternative markets and creative strategies like house hacking. - Tech tools and digital platforms are central to how Gen Z researches, finances, and navigates homebuying decisions. - This generation is redefining ownership to embrace shared purchases, multi-use properties, and nontraditional paths to affordability. In this episode of Beyond the Buildings, host Maiclaire Bolton Smith and Cotality economist Molly Boesel explore the trends shaping Gen Z’s path to property ownership — what’s driv...2025-04-3020 minCONNECT by California MBACONNECT by California MBAPraveen Chandramohan, SVP, Origination Growth Solutions, CotalityWelcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Praveen Chandramohan, SVP, Origination Growth Solutions, Cotality Episode discussion timestamps: 1:27 - How you got into the mortgage business 2:44 - Big changes recently with the rebrand of CoreLogic to Cotality. Can you share with our listeners a little background on what inspired that change? 5:21 - Cotality has always focused on creating opportunities for customer retention. What’s the main focus on that for 2025 for the company? 7:15 - How do you see business intelligence and analytics evolving in th...2025-04-2816 minBeyond the BuildingsBeyond the BuildingsCotality Is More Than a Name — It’s a VisionCoreLogic rebranded as Cotality, and our CEO Patrick Dodd explains why now was the right time to make the change.The transition from CoreLogic to Cotality wasn’t just a rebrand, it was transformation with purpose.What happens when a legacy powerhouse hits refresh? Beyond better serving client needs and adapt to changing market dynamics, this rebrand better showcases what this company has become.Cotality is setting a new standard by pushing the boundaries of insight, collaboration, and impact to lead the property industry forward.In this episode of Beyond the Buildings, Patrick Dodd, CEO of Co...2025-04-2333 minBeyond the BuildingsBeyond the BuildingsThe New Rules of Homebuying, Gen Z StyleGen Z is entering the housing market and encountering challenges both familiar and unfamiliar to previous generations.High mortgage rates and home prices are forcing many to explore alternative markets and creative strategies like house hacking.Tech tools and digital platforms are central to how Gen Z researches, finances, and navigates homebuying decisions.This generation is redefining ownership—embracing shared purchases, multi-use properties, and nontraditional paths to affordability.In this episode of Beyond the Buildings, host Maiclaire Bolton Smith and Cotality economist Molly Boesel explore the trends shaping Gen Z’s path to property ownership — what’s drivin...2025-04-0920 minChrisman Commentary - Daily Mortgage NewsChrisman Commentary - Daily Mortgage News4.1.25 Credit Union Exemptions; Cotality's George Gallagher on Disaster Maps; Tariffs IncomingWelcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today’s episode, we discuss credit unions tax free status. Plus, Robbie sits down with Cotality's George Gallagher to talk about the latest takeaways from the LA fires as it...2025-04-0121 minThe NZ Property Market PodcastThe NZ Property Market PodcastWe are CotalitySend us a question/idea/opinion direct via text message!A very special announcement...Sign up for news and insights or contact on LinkedIn, X @NickGoodall_CL or @KDavidson_CL and email nick.goodall@cotality.com or kelvin.davidson@cotality.com2025-03-2407 minBeyond the BuildingsBeyond the BuildingsCan We Bridge the Widening Property Insurance Gap?For years homeowners’ insurance was just there. It was a safety net in the background, ready to catch someone when disaster struck. But now, that net is fraying, and homeowners are scrambling to understand why coverage is becoming so expensive — or in some areas, nearly impossible to obtain.Homeowners across the country — especially in wildfire-prone states like California — are seeing their premiums skyrocket, their policies canceled, or, in some cases, they are left without any options at all. Insurers too are feeling the pressure. For years, they relied on traditional risk models to calculate premiums, issue policies, and assu...2025-03-0529 minBeyond the BuildingsBeyond the BuildingsNew Tariffs, Higher Costs — Who Really Pays the Price?As the U.S. waits for the final decision on the fresh tariffs imposed on Canadian, Mexican, and Chinese imports, the housing industry is bracing for the impact of this policy decision. With material costs already a growing concern, these new trade policies could send ripples through supply chains, development timelines, and affordability.Tariffs on steel, lumber, concrete and other key building materials have the potential to drive up construction costs, exacerbating an already tight housing market. Builders and developers may need to rethink sourcing strategies, while policymakers weigh the broader economic consequences of trade restrictions on...2025-02-1933 minBeyond the BuildingsBeyond the BuildingsWill Congress Regulate AI's Rapid Growth in Real Estate?From Capitol Hill to the mortgage industry, AI is everywhere. It’s even finding its way into the halls of government. But while AI promises innovation, it’s also raising a ton of questions—especially for policymakers.Last year, Congress introduced over 350 AI-related bills, and while many of these bills simply served to spark debate, it’s clear that lawmakers are considering everything from data privacy to mitigating bias in algorithms. Now, with a new Congress in session, the real question is: will AI regulation finally take center stage?Although no property-focused AI bills made it to th...2025-02-0523 minBeyond the BuildingsBeyond the BuildingsThe Homes the LA Wildfires Left: A Hidden Insurance Crisis?January’s wildfires in Los Angeles will leave scares. Even those whose homes seem to be structurally sound may actually be hiding severe damage that will only be uncovered as LA begins to recover and rebuild.  Garret Gray, CoreLogic’s President of Global Insurance Solutions is one such case. Following a harrowing race against time to evacuate the threatened area with his family, Garret prioritized safety, not possessions. Miraculously, while nearby homes burned to the ground, his house remained standing.While at first glance this seems like a small miracle, on the inside, the hidden damag...2025-01-2227 minBeyond the BuildingsBeyond the BuildingsHow the Stories Properties Tell Shape the U.S.'s FutureImagine a world where every piece of property tells a story—where every plot of land, building permit, and insurance claim contributes to a dynamic narrative that evolves over time. In the first episode of Season 5 of Core Conversations, you are invited you to step beyond the ordinary view of properties as an amalgamation of square footage and floor plans to uncover the living, breathing essence of property.Join host Maiclaire Bolton Smith and CoreLogic’s Chief Data and Analytics Officer John Rogers as they take you on a journey into the $45 trillion real estate market — America’s larges...2025-01-1530 minBeyond the BuildingsBeyond the BuildingsHow 2024’s Housing Market Sets the Stage for 2025As 2024 slides into 2025, those who have been following the housing market know that there is a lot to unpack from the year. Home affordability, when adjusted for inflation, has reached its lowest point in decades. Inventory trends are diverging across the nation. Generational dynamics are influencing how people are buying homes.But even if the trends that made 2024 so noteworthy are understood, the question is, how will they influence where the housing market is headed in 2025? In the season finale of Core Conversations, CoreLogic Chief Economist Selma Hepp explores what happened in 2024 and provides a...2024-12-1132 minBeyond the BuildingsBeyond the BuildingsWhat’s Driving the Appraisal Industry’s Move to Modernize?The appraisal industry is undergoing its most significant transformation in decades, blending innovation with tradition to reshape how appraisers value real estate.As the appraisal industry enters a new era driven by technology and changing consumer expectations, advancements like AI-powered valuation tools, as well as desktop and hybrid appraisals may provide an avenue for the industry to offer transparency and lighten some of the cumbersome, paperwork-laden processes that define current standards.But what does this mean for the future of the industry — and for those who rely on it?In the latest episode of...2024-11-2728 minBeyond the BuildingsBeyond the BuildingsWhat Will a Second Trump Presidency Mean for U.S. Housing?As the U.S. looks ahead to Donald Trump once again taking office in January, the real estate and housing industry is watching closely. Given Trump’s previous term and recent rhetoric on the campaign trail, when the president-elect returns to the White House on January 20, the property market landscape could shift dramatically.A Trump administration has historically leaned toward deregulation, favoring less federal oversight. This could mean a rollback of initiatives championed by the previous Biden administration and could spell major changes for property professionals, particularly in areas like climate policy, housing affordability, and regulatory reform....2024-11-1325 minBeyond the BuildingsBeyond the BuildingsNightmare on Main Street: Unpacking 10 Scary Housing TrendsFrom soaring mortgage rates to climate risks, the economic landscape of buying a home is filled with uncertainties that could terrify even the most seasoned investor.Whether it’s government policies or technological innovations, there are a wide variety of external factors that wield immense influence over the trajectory of the property market. As investors, homeowners, and property professionals alike grapple with these challenges, understanding the impact of demographic shifts, natural catastrophes, and economic fluctuations becomes paramount.The scarcity of housing supply, coupled with investor competition, reflects critical socioeconomic trends affecting communities across the U.S...2024-10-3032 minBeyond the BuildingsBeyond the BuildingsProperty Cybercrime Rising: What You Need to KnowIn recent years, cybercrime has surged across nearly every industry, with real estate emerging as a prime target for hackers. The shift toward digital transactions, coupled with the sensitive nature of real estate data, has made the sector a lucrative focus for cybercriminals. From wire fraud to data breaches, the threats are evolving, posing significant risks to real estate agents, brokers, title companies, and even buyers and sellers.Among the most pervasive issues is social engineering. These attacks often exploit the fast-paced, high-stress nature of real estate transactions, making them especially dangerous as buyers and...2024-10-1633 minBeyond the BuildingsBeyond the BuildingsGeospatial Data: Superpowering AI Infrastructure PlanningOver the next few years, it's estimated that nearly a trillion dollars will be spent on data centers, semiconductors, and power grid upgrades. And this is all just to meet the growing computational needs of AI technologies. In fact, industry estimates suggest that global data center capacity could double by 2030, but this growth is far from straightforward.As AI technologies like generative AI continue to expand, the infrastructure needed to support them is growing at an unprecedented rate. However, data centers cannot just be built anywhere. Placement of new data centers isn’t just about finding enough la...2024-10-0224 minBeyond the BuildingsBeyond the BuildingsHow to Solve the U.S. Affordable Housing CrisisAffordability remains a persistent challenge in the U.S. housing market. With increasing concerns over housing costs, particularly post-pandemic, the affordability crisis has grown to affect millions of households across the country. With nearly one-third of American households now considered cost burdened, the crisis has reached national prominence, even making its way into recent presidential addresses.In this episode of Core Conversations, CoreLogic Senior Vice President of Public Policy and Industry Relations, Pete Carroll discusses key factors behind this, including income inequality, the undersupply of housing, and outdated zoning laws. Carroll also touches...2024-09-1827 minBeyond the BuildingsBeyond the BuildingsDo Appraisers Have What It Takes to Value Short-Term Rentals?As cities across the country grapple with the rise of platforms like Airbnb and VRBO, the implications for the property industry are becoming more complex. How do you accurately value a property that doubles as a business? What happens when local regulations change?Despite the lingering questions in the industry, the rising demand for vacation homes and the allure of short-term rental platforms have carved out a significant niche in the market. However, their increasing popularity brings new challenges, particularly for appraisers, lenders, and underwriters who must navigate the complexities of valuing these unique assets.2024-09-0428 minBeyond the BuildingsBeyond the BuildingsWhich Areas of the US Are Most Vulnerable to Extreme Heat?Extreme heat doesn’t just challenge our physical endurance; it has a ripple effect on nearly every aspect of our lives. From contributing to the intensification of natural disasters like hurricanes and wildfires to affecting property values, insurance risks, and even migration patterns, rising temperatures are worth paying attention to.As natural disasters continue to accelerate in pace and intensity, it’s becoming clear that both homeowners and businesses must adapt to a new normal—one where extreme heat and its related perils are key considerations in every decision.In this conversation, host Maicla...2024-08-2127 minBeyond the BuildingsBeyond the BuildingsWhat Drives Public Perception of Climate Migration?Have you ever wondered what happens to communities when climate change forces people to move?The economic and social ramifications are both complex and far-reaching. From community fragmentation to insurers potentially refusing coverage in high-risk areas, there are profound consequences stemming from not adapting to a climate in which natural disasters are accelerating.Dr. Kaitlin Raimi, an associate professor of public policy at the University of Michigan, has researched the multifaceted nature of climate migration, and in this episode of Core Conversations, she sits down with host Maiclaire Bolton Smith to examine how regions like...2024-08-0723 minBeyond the BuildingsBeyond the BuildingsUniversity of Miami Researcher Weighs in on Key 2024 Hurricanes Season TrendsAs the 2024 Atlantic hurricane season approaches, the climate signals are anything but typical. The transition from El Niño to La Niña and unprecedented sea surface temperatures in the Atlantic have meteorologists and communities paying close attention to the potential severity and frequency of this year's hurricane potential.Warmer ocean temperatures can fuel more intense hurricanes that cause widespread destruction, including severe flooding and wind damage, as well as long-term economic and social disruptions. With coastal populations growing, the consequences of a major hurricane can be catastrophic. The combination of this season’s meteorological patterns and grow...2024-07-1026 minBeyond the BuildingsBeyond the BuildingsWhere Are Labor and Material Cost Affecting Housing Affordability?As the landscape of the housing market continues to evolve, one topic continues to remain at the forefront: affordability.It’s a topic we frequently explore on this podcast because it touches every facet of the property market, including the rising costs of construction. With more people moving to more affordable regions, there’s a notable impact on both home prices and the costs associated with building new homes.As inflation remains elevated, people are migrating to more affordable areas, and the construction industry is feeling the strain with a shortage of workers, causing affordability to e...2024-06-2623 minBeyond the BuildingsBeyond the BuildingsBuilding Codes Cost. But What is Resiliency Actually Worth?As the frequency and severity of natural catastrophes intensify, the need to strengthen the resiliency of communities against these perils is increasingly urgent. Building codes are a critical tool in this endeavor. However, their adoption and enforcement vary significantly across states. A recent report from the Insurance Institute for Business and Home Safety (IBHS) underscores the lack of uniformity in building code implementation among states vulnerable to hurricanes.While some states, like Florida, have stringent codes that help to reinforce home resilience, other states like Texas grapple with disparities in code adoption, amplifying vulnerability to hurricane-related damages.2024-06-1221 minBeyond the BuildingsBeyond the BuildingsWhat Are the Ethical Implications of AI in the Property Industry?A full 67% of IT senior leaders are prioritizing generative AI for their businesses, according to Salesforce data. This statistic underscores the growing importance of AI in today's business landscape and highlights the urgency of understanding its implications.Although AI is not new technology, over the past couple of years, it has reshaped industries. But with its rise comes a myriad of questions and concerns, ranging from technical complexities to ethical implications.From forecasting floods to streamlining insurance claims, AI is revolutionizing how we interact with property data and make decisions. But as we navigate this...2024-05-2924 minBeyond the BuildingsBeyond the BuildingsCan Housing Market Foreclosures Remain Low as Consumer Debt Rises?As housing prices remain elevated, it's crucial to examine the other side of the coin, where worries about affordability linger despite the substantial equity many homeowners have amassed.In a housing market characterized by high prices, soaring equity, and ballooning consumer debt, it is worth examining mortgage delinquency and foreclosure rates, which are currently hovering around historic lows. But what's behind this trend, and what does it signify for the future of the housing market and real estate?In this episode, host Maiclaire Bolton Smith and CoreLogic Principal Economist Molly Boesel examine the...2024-05-1525 minBeyond the BuildingsBeyond the BuildingsWhy Valuing Barndominiums, Tiny Homes Needs the Cost ApproachWhether you're valuing, insuring, underwriting or even simply buying and selling real estate, understanding the nuances of property valuation is crucial.But why do homes have so many different values and what role does each value play in the grand scheme of things? From market value to insurable value to the cost approach, who you are and what type of value you’re looking for plays a pivotal role in how you consider property values.But then there is the world of unconventional homes like barndominiums and tiny houses.In this episode, host Mai...2024-05-0124 minBeyond the BuildingsBeyond the BuildingsSEC Climate Disclosure Guidance Timeline Pause: Why Companies BenefitOn March 6, 2024, the Securities and Exchange Commission (SEC) sent shockwaves through the financial world by mandating that publicly traded companies disclose details about how climate change affects their businesses. However, this rule hit a roadblock on April 4 when legal challenges led the SEC to pause the implementation timeline, throwing compliance requirements into uncertainty.While the future of this rule is in limbo, the implications of such a mandate for businesses, investors, and the economy are immense. Should the SEC reinstate the rule following litigation, it will be a fundamental shift in how corporations assess and report climate-related...2024-04-1725 minBeyond the BuildingsBeyond the BuildingsCan Property Data Accurately Predict Shifts in the Property Market?In today's ever-changing property market, decisions can be swayed by fluctuating interest rates, population shifts, affordability concerns, and climate challenges. However, one constant remains to provide a clear path forward: data-driven insights.From guiding high-level business decisions to shaping regulatory policies, data has become the cornerstone for professionals navigating the property market. But with the proliferation of data comes the challenge of harnessing its potential. Where does one begin when seeking actionable insights in a sea of information?It all begins with technologies that can translate the vast quantities of data collected within the property...2024-04-0325 minBeyond the BuildingsBeyond the BuildingsWhat Makes Geospatial Data Unique to Expand Telco Infrastructure?In the telecommunications industry, navigating infrastructure investments to draft a road map for 5G success is a complex but necessary undertaking. Success requires both location intelligence and geospatial data.As the needs for 5G infrastructure increase in parallel with the demand for connectivity for everything from core networks to self-driving cars and wearable devices, it’s imperative to not only understand how much connectivity to provide today but also where it will be needed tomorrow.From respecting regulatory compliance to pinpointing growth hot spots, host Maiclaire Bolton Smith and guest Joe Francica, a principal on th...2024-03-2021 minBeyond the BuildingsBeyond the BuildingsAre Investors and Interest Rates Abolishing the Dream of Homeownership?Soaring U.S. rental prices have prompted discussions about the nation's trajectory towards a renter-centric society.From the exorbitant rental prices in Miami to the ongoing wisdom that homeownership is an advantageous financial decision, as renters and homeowners search for affordability and stability, they will need to navigate an increasingly complex market.With rental costs experiencing a staggering 30% increase over a three-year period, this episode of Core Conversations examines various factors contributing to this phenomenon, including a severe shortage of rental properties, heightened demand from new households, and the impact of high mortgage rates on...2024-03-0625 minBeyond the BuildingsBeyond the BuildingsWhat Can 2023 Teach Us About Future Natural Catastrophes?It already seems like 2023 is long ago, but the consequences of natural disasters and the lessons we’ve learned from them are far from the past.Record-breaking hailstorms; devastating wildfires in Lahaina, Hawaii; and other catastrophic events made global headlines, and for good reason. Historical patterns are changing – just look at the increasing rapid intensification of storms and sea-surface temperatures. However, changing climate patterns do not mean that there is no way to ensure resilience.Research, property data, stringent building codes, and a commitment to preparedness are all lessons that insurers and homeowners can glean from...2024-02-2124 minBeyond the BuildingsBeyond the BuildingsSome Insurers Banned AI — Will Insurtech Bring It Back?Insurance is a topic of perennial interest, but it is not often discussed for furthering cutting-edge technologies like generative AI and machine learning. However, Insurtech, with its ability to redefine business models and leverage cutting-edge technologies, has left an indelible mark on the insurance industry landscape.Whether it’s a homeowner navigating insurance policies or an industry professional charting the course for future business growth, Insurtech’s broad reach has enabled companies to take on new types of risks to reshape risk management strategies in the face of evolving climate risk and changing regulations. In this...2024-02-0723 minBeyond the BuildingsBeyond the BuildingsHow Will Big Data Automation Impact Insurance Field Data?As the claims and restoration business adapt to pressures of surging inflation, persistent labor shortages and the escalating frequency of natural disasters, automation has emerged as an investment avenue to help streamline processes and enhance efficiency.However, not all technology solutions are created equal. In an industry when data fidelity is crucial for those in the field and automation is increasingly a stopgap amid ongoing staffing challenges, the insurance claims industry is increasingly seeking solutions that address these hurdles, while adhering to complex requirements from industry standards.Discover the evolving landscape of insurance claims, the...2024-01-2421 minBeyond the BuildingsBeyond the BuildingsWhich U.S. Metros Sit in the Crosshairs of Remote Work Migration?In the first episode of Season 4 of Core Conversations, Host Maiclaire Bolton Smith and CoreLogic Chief Economist Selma Hepp dive into the aftermath of the pandemic's influence on migration patterns and how remote work has reshaped the housing landscape.While the pandemic may no longer dominate headlines, it continues to exert its influence. Remote work opportunities flourished, prompting an exodus from high-cost coastal metros to more affordable regions. This migration then spurred home price inflation across the country, while also altering income distribution, patterns of gentrification and urban sprawl.The consequences for major cities are...2024-01-1026 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 47 - Economic activity, population growth and market activitySend us a question/idea/opinion direct via text message!In Episode 47, there's plenty of economic data to chew over, starting with the NZ Activity Index (NZAC). This is the more timely measure of economic activity, essentially pre-empting the official GDP figures. September's result was surprisingly strong and ends Q3 on a solid note.There was also an update to the population growth figures for every TA (city/town) across the country, so Kelvin provides an overview of the areas with the greatest, and not-so-greatest increases.Then as per usual Nick updates us...2020-10-2729 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 46 - Election result, September sales and migration dataSend us a question/idea/opinion direct via text message!In Episode 46, Nick and Kelvin discuss the election result from the weekend and potential implications for the property market.Kelvin then goes over the latest migration data, and provides clarity on the strength or otherwise of NZ citizens on the overall migration picture. There's also the latest sales numbers for September following the REINZ data release and insight on the strength of mortgage demand through the banks.The latest monthly video is now live at https://youtu.be/PTXV8jVASa0.2020-10-1929 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 45 - Rupert Gough, CEO Mortgage LabSend us a question/idea/opinion direct via text message!In Episode 45, Nick is joined by Rupert Gough, CEO and founder of Mortgage Lab and author of 'The Successful First Home Buyer' book.Rupert began working in the mortgage advice industry in 2011 and, after moving to Auckland in 2014, started The Mortgage Lab in early 2017. He talks to Nick about how the market has reacted to the craziness of 2020 and talks through what's happening from a finance assessment point of view through the banks.Rupert has great advice for first home buyers a...2020-10-1548 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 44 - Closing in on the election and plenty of positive market dataSend us a question/idea/opinion direct via text message!In Episode 44, Nick and Kelvin discuss the swathes of data which reflect the recent strength of the market. This includes results from the REINZ/Tony Alexander survey of agents, MBIE rental bond data and the preliminary ANZ Business Confidence data for October.There's also a bit of housing policy to consider as the National Party released more details of their plans, if they're successful at the election this week.Plus of course there's a bit of discussion on the All Blacks' drawn Bledisloe...2020-10-1230 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 43 - September House Price Index and the broader market situationSend us a question/idea/opinion direct via text message!In Episode 43, Nick and Kelvin pore over the latest CoreLogic House Price Index (HPI) data, which in general has shown a surprisingly strong property market. https://www.corelogic.co.nz/news/property-market-enters-spring There are a number of recent economic releases which help understand some of the context for that strength so Kelvin details those which prompts a bit of a broader discussion on the overall state of the market.Add to this Kelvin's recent article analysing Auckland, and a quick look at the e...2020-10-0533 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 42 - RBNZ monetary policy review plus latest economic and property market activitySend us a question/idea/opinion direct via text message!In Episode 42, Kelvin delves into the latest releases from the RBNZ, namely the Monetary Policy Review (where the Bank reviews the OCR and Quantitative Easing Programme) and the lending stats for August.We also have the latest credit card spend stats and the broader measure of economic activity, the NZ Activity Index for August to mull over. Nick also provides the latest from the CoreLogic early property market indicators, with both appraisals generated and valuations ordered recently playing a bit of catch-up.2020-09-2826 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 41 - GDP fall, PREFU update and which buyers are active?Send us a question/idea/opinion direct via text message!In Episode 41, Kelvin gives his take on the latest record breaking GDP data for Q2, the key question being is it really relevant anymore, given the more reactive NZ Activity Index (August data out this Friday).The Pre-Election Economic and Fiscal Update (PREFU) was released last week so the guys discuss what it is and how it is relevant for the property market.And the CoreLogic Buyer Classification stats for August show mortgaged investors and first home buyers remain a key presence in...2020-09-2123 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 40 - Spring listings lift held back, rents ease and confidence 'could be worse'Send us a question/idea/opinion direct via text message!In Episode 40, Nick kicks off with recognition of Te Wiki o te Reo Māori (Māori Language Week), before a quick discussion on Kelvin's weekend away embracing everything Taupō has to offer (while always scoping economic health and potential impacts on the property market!) Agent activity is back to early August levels (before the latest restrictions were imposed) but the recent drop has already been noted in reduced for-sale listings coming to market at a time when we should've seen a lift for spring.2020-09-1428 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 39 - Demand holding strong and business confidence surprisingly resilientSend us a question/idea/opinion direct via text message!In Episode 39, Nick provides an update to previously reported CMA data as the recent drop was overstated, though the message of upcoming listings being restrained remains true.Valuations being ordered keep holding up too, so the recent trend of values remaining firm will likely continue. Kelvin also wraps up the latest macro-economic data releases in between discussion around RBNZ's latest commentary and the extension of the current alert level restrictions.If you missed last week's big releases, links for each are b...2020-09-0724 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 38 - Bonus edition - CoreLogic HPI, and Affordability ReportSend us a question/idea/opinion direct via text message!In Episode 38, Nick and Kelvin reflect on a busy week where the latest House Price Index was released under the CoreLogic brand and Kelvin took the inaugural CoreLogic Affordability Report to market (via TVNZ Breakfast!)Links for each release below:https://www.corelogic.co.nz/news/corelogic-house-price-index-aug-2020https://www.corelogic.co.nz/news/new-corelogic-housing-affordability-report-finds-boost-falling-interest-ratesMore info about the HPI:https://www.corelogic.co.nz/corelogic-house-price-indexCheck out all our regular CoreLogic research insights at https...2020-09-0341 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 37 - Pre-listings indicator weak, demand strong, values holdSend us a question/idea/opinion direct via text message!In Episode 37, Nick and Kelvin chat about the state of play as Auckland moves down to level 2.5. Appraisals generated by agents are down 62% prior to the latest lockdown, but valuations ordered for mortgages are up 9%.Reserve Bank lending data for July was strong, as was Stats NZ filled jobs data but consumer confidence from the August reading did take a minor dip, although given the latest restrictions that wasn't surprising.There are also some very exciting CoreLogic releases to chat about, including the...2020-08-3134 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 36 - Support extended, mortgage payment data and the drop away in appraisalsSend us a question/idea/opinion direct via text message!In Episode 36, Nick and Kelvin chat about the extension of support to the economy off the back of the latest return to social restrictions. This includes an extension to the wage subsidy scheme and the mortgage deferral scheme. There has been a bunch of data about the potential impact to the economy of the latest lockdown so Kelvin breaks it all down and the pair also discuss the media coverage of missed mortgage payments from last week.Lastly, Nick covers off the latest i...2020-08-2432 minThe NZ Property Market PodcastThe NZ Property Market PodcastEp. 35 - Re-lockdown, election date change and economic summarySend us a question/idea/opinion direct via text message!In Episode 35, Nick is back at home due to the latest lockdown and of course that is a key topic which he and Kelvin cover.  Starting off with pre-listing activity which has already taken a dive.Kelvin then provides an in depth overview of the Reserve Bank's latest Monetary Policy Statement, while touching on the (now confirmed) extension to the wage subsidy and mortgage deferral schemes.There's plenty of economic data to discuss too, as well as the latest REINZ data for July, a...2020-08-1735 min