Who Should Pay Partner Social Toolkit

Destructive weather is having a major effect on the home insurance market, setting off the first domino in a chain reaction that could affect the entire economy.

As wildfires, floods, and storms become more frequent and severe, insurance companies are pulling back from high-risk areas or raising premiums to unaffordable levels. Without reliable insurance, homes become uninsurable and impossible to mortgage, threatening property markets and the broader economy.

Help boost the conversation around the unfolding insurance collapse, track its impact on families and communities, and ask the critical question: if insurance can’t cover the costs, who should pay?

Shortly after buying his first home, Jordan’s homeowners policy was hit with an unexpected rate hike. These increases are becoming more common as the changing climate continues to cause more frequent and severe wildfires in California.

Who should pay for the Climate Insurance Collapse? whoshouldpay.org

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Destructive weather is crashing the home insurance market, putting millions of policies at risk. As wildfires, floods, and storms become more frequent and severe, insurers are raising premiums, exiting markets, and dropping coverage. Who should pay?

Who should pay for the Climate Insurance Collapse? whoshouldpay.org

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Vatche’s homeowners policy was dropped due to rising storm risks, even though he lives inland. Now he and his neighbors are forced to pay more money for new insurance, or they risk being uninsured. Climate change isn’t a future issue, it’s hitting our homes and wallets now.

Who should pay for the Climate Insurance Collapse? whoshouldpay.org

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Marcella’s homeowners policy was dropped after wildfires struck nearby. She is one of the many Californians whose insurance is being impacted by the changing climate.

Who should pay for the Climate Insurance Collapse? whoshouldpay.org

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How can you budget for the changing climate? After a storm damaged Christy’s garage, her insurance went up 65%. Her story reflects a worrying trend: Destructive weather is becoming more frequent. More homes are being damaged. Insurance rates are rising to unaffordable levels, as a result.

Who should pay for the Climate Insurance Collapse? whoshouldpay.org

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The changing climate is skyrocketing insurance costs.

Who should pay for the Climate Insurance Collapse? whoshouldpay.org

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Alex was excited to become a first-time homebuyer, but she wasn’t prepared for how hard or expensive it would be to find insurance coverage in Florida. The changing climate causes more destructive and frequent storms. Causing some insurers to pull out of certain states completely, putting homeowners in a tough spot.

Who should pay for the Climate Insurance Collapse? whoshouldpay.org

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Recent wildfires in California didn’t come anywhere close to Ryan’s home, but his homeowner’s policy was still dropped due to increasing risks of destructive weather events.

Who should pay for the Climate Insurance Collapse? whoshouldpay.org

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