Michael Torres

Michael Torres is a Chartered Property Casualty Underwriter (CPCU) and Associate in Risk Management (ARM) with 15 years of deep experience in property and casualty insurance. His career spans personal lines homeowners coverage, commercial property underwriting, and large-scale catastrophe risk modeling — making him one of the most technically rigorous voices in our editorial team.

Before joining Cover Forge USA, Michael served as an underwriting operations manager at a regional insurance carrier where he oversaw property underwriting across eight southeastern states — a region notorious for complex CAT exposures including hurricane, hail, and flood. In that role, he managed a team of 12 underwriters, developed property risk appetite guidelines, and worked directly with reinsurance partners to model catastrophe scenarios. This background gives him unparalleled insight into why home insurance rates have skyrocketed in high-risk states like Florida and California.

Michael is the primary author of our homeowners insurance content. His guides on the Florida home insurance crisis, the California FAIR Plan, and what to do when your insurer drops you are among the most cited pieces on our site. He brings an underwriter's perspective to consumer guidance — helping homeowners understand not just what coverage costs, but why rates move the way they do.

Michael also writes about flood insurance and the critical distinction between flood coverage (NFIP or private) and standard homeowners insurance — a gap that catches thousands of homeowners off guard each year. He is a strong advocate for consumer education around coverage gaps and under-insurance risks.