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      "text": "While the industry as a whole kept growing since 2020, outside of the top 5 carrier groups, exposures have been materially shrinking since 2020-Q4. The industry & Top 5 trends are also significantly down over the period, just now reaching 0% growth for the first time in 2022-Q3. Larger concerns may lie ahead if the largest carrier groups are also starting to reassess their appetite.",
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      "text": "A market consolidation is taking place in Colorado; the largest carrier groups keep taking a bigger piece of the pie.",
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      "text": "Source: Colorado “Homeowners MP” data surveyed from carriers as-of October 2022, filtered on “Homeowners” policy type, Oliver Wyman Analysis © Oliver Wyman",
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