What are the top 10 real estate regulations or policy changes affecting property insurance and risk management?

As an AI language model, I do not have personal opinions, but I can provide some examples of real estate regulations or policy changes affecting property insurance and risk management. Here are the top 10 examples:

1. Flood Insurance Reform Act of 2012 – This law reformed and extended the National Flood Insurance Program (NFIP) to provide affordable flood insurance to homeowners in high-risk areas.

2. Homeowner Flood Insurance Affordability Act of 2014 – This act helps homeowners in flood-prone areas to afford flood insurance by offering subsidies and capping premium increases.

3. The Affordable Care Act – This law requires businesses to offer health insurance to their employees, which includes those in the real estate sector.

4. Dodd-Frank Wall Street Reform and Consumer Protection Act – This act regulates the mortgage industry to prevent predatory lending and risky home loans.

5. Americans with Disabilities Act – This law requires that public buildings and housing be accessible to those with disabilities.

6. Fair Housing Act – This law prohibits discrimination in housing based on race, gender, religion, ethnicity, and other factors.

7. Insurance Regulatory Adaptation Model Law – This law standardizes regulation of insurance practices across states to prevent fraud and ensure consumer protection.

8. Building Codes – Local and state building codes have been created to ensure that structures are safe for occupancy.

9. Environmental Laws – Regulations for waste disposal and protection of endangered species have impacted real estate development in certain areas.

10. Zoning and land use regulations – These regulations determine how land can be used and developed. These regulations have important implications for real estate investment and insurance.