In the past Homeowners had been viewed as a stable, mostly predictable line of business for a reserving actuary. However, even the property losses in this line have become more unpredictable due to increases in catastrophe frequency and severity as a result of global warming. Also, as our society has continued to become more litigious, other less traditional claims are being seen, such as mold (and the resulting severity increases from a water loss in order to mitigate the chance of mold), leaking underground storage tanks, and unanticipated coverage expansions. During this session you will learn about the new challenges faced in reserving for this once predictable line of business.