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cover of episode Why Climate Change Is Driving An Insurance Meltdown

Why Climate Change Is Driving An Insurance Meltdown

2025/6/11
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What A Day
AI Deep Dive AI Chapters Transcript
People
A
Anya Zoledziowski
C
Callum Hanlon
D
Donald Trump
批评CHIPS Act，倡导使用关税而非补贴来促进美国国内芯片制造。
G
Greta Thunberg
J
Jane Koston
J
Jessica Morse
J
John Thune
P
Pete Hegseth
Topics
Jane Koston: 我认为加州发生的事情往往会影响到其他地方，例如房屋保险。自然灾害频发导致保险公司不堪重负，甚至可能停止提供保单。获得房屋保险至关重要，特别是对于那些居住在高风险地区的人们，以及那些面临飓风、洪水和龙卷风等自然灾害的人们，而气候变化可能会使这些情况更加恶化。 Anya Zoledziowski: 我认为我们不能忽视气候变化的影响。现有的系统无法应对日益严重的自然灾害，导致保险公司面临更高的成本。洛杉矶的野火造成了巨大的经济损失，许多家庭因此流离失所。有色人种家庭受到的影响尤为严重，保险费率也在不断上涨。政府可以考虑接管再保险，并要求保险公司帮助客户加固房屋，以应对自然灾害。气候超级基金法是一个有希望的解决方案，它要求化石燃料公司为气候变化造成的破坏买单。我们不能忽视气候变化的影响，因为不解决气候变化问题会对金融市场产生深远的影响。 Callum Hanlon: 我和我的家人不得不逃离Altadena的火灾，那场火灾烧毁了我们街上的所有房屋。我对保险费率的上涨感到非常担忧，不确定保险是否能够覆盖所有的损失。这场经历给我带来了巨大的创伤。 Jessica Morse: 我认为除非保险公司成为推动力，否则我们无法实现大规模的房屋和社区加固。我们需要保险公司参与进来，共同应对气候变化带来的挑战。 Steve Collar: 我认为气候危机和自然灾害是导致保险费上涨的主要原因。全球气温上升，极端野火、飓风和地震的强度都达到了前所未有的水平，人们开始感受到经济上的压力。

Deep Dive

Chapters
This chapter explores the connection between climate change and rising home insurance rates. It features interviews with experts and personal accounts of individuals affected by climate-related disasters, highlighting the financial burden and systemic issues.
  • Rising natural disasters due to climate change are overwhelming insurance companies.
  • Insurance companies are raising rates or refusing to renew policies in high-risk areas.
  • Climate change is impacting the financial markets, with potential long-term consequences.
  • The federal government could take over reinsurance to help address the issue.
  • State and local efforts are being made to address climate change and its impact on insurance.

Shownotes Transcript

You know how people are always saying, "What happens in California often doesn't stay here"? They're so right! Case in point: home insurance. When natural disasters happen, home insurance is how folks are able to rebuild. But when natural disasters happen over and over again, like the wildfires in California, home insurance companies become overwhelmed. And it's not just a California issue. In Iowa and Oklahoma, residents are currently recovering from tornadoes. In North Carolina, families are still reeling from Hurricane Helene. And natural disasters across the country are likely to get more common—and more powerful—because of climate change. So, we spoke to Crooked Climate Correspondent Anya Zoledziowski about how climate change is going to make your home insurance more expensive.

And in headlines: California Democrat Rep. Pete Aguilar goes toe to toe with Defense Secretary Pete Hegseth over federal forces in LA; President Trump threatens potential protesters of his upcoming military parade; Republican Sen. John Thune is feeling good about a certain big, beautiful bill; and Greta Thunberg is among activists deported by Israel after attempting to bring aid to Gaza.

Show Notes: