Governor Bentley created the Coastal Insurance Working Group (CIWG) in June 2015. He asked members to focus attention on public policy, guidelines, and possible multi-state approaches to address the cost of property insurance along Alabama’s Gulf Coast. The Executive Director of the Alabama Center for Insurance Information and Research (ACIIR), Dr. Lars Powell, acted as Co-Chairman of the Coastal Insurance Working Group. The CIWG began working in August 2015 and completed this report in January of 2016. The group met diligently for two full days each week during this four-month period.