『Insurance and The Climate Crisis The Canary in the Coal Mine』のカバーアート

Insurance and The Climate Crisis The Canary in the Coal Mine

Insurance and The Climate Crisis The Canary in the Coal Mine

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 Episode one, The Canary in the Coal Mine, reveals how insurance companies are becoming the first major industry to abandon communities in the face of climate change. Through the story of a Florida homeowner who lost coverage after three hurricanes in five years, Miles Mercer explains why the insurance system, built on predictable risk, is collapsing as climate change makes the future fundamentally unpredictable. The episode explores how insurers are seeing data the public isn't, actuarial tables and catastrophe models showing accelerating losses, while paradoxically still investing in the fossil fuel companies driving the crisis. With premiums skyrocketing by forty percent or more, major insurers fleeing entire states, and millions of Americans becoming uninsured or underinsured, the episode demonstrates how insurance isn't just another bill, it's a warning system telling us which places are becoming uninhabitable and unsustainable. The affordability crisis is creating insurance deserts and geographic inequality, leaving vulnerable communities to bear risks they cannot absorb while the system that's supposed to protect them crumbles in real time.
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This content was created in partnership and with the help of Artificial Intelligence AI
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