『Insurance and The Climate Crisis Underwater Assets』のカバーアート

Insurance and The Climate Crisis Underwater Assets

Insurance and The Climate Crisis Underwater Assets

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 Episode two, Underwater Assets, examines how the property insurance crisis is destroying home values and creating economic devastation across America. Following coastal California communities where beautiful homes have lost half their value simply because insurance has disappeared, Miles Mercer reveals the death spiral engulfing Florida, California, and Louisiana as insurance companies go bankrupt or flee entirely. When State Farm, Allstate, and other major insurers stop writing policies, homeowners face an impossible situation: without insurance you can't get a mortgage, and without a mortgage potential buyers can't purchase homes, causing property values to collapse regardless of the home's condition. The episode exposes how state-backed insurers of last resort, designed as safety nets for a few thousand high-risk properties, now cover over a million homes and face insolvency if major disasters strike. Miles explores the ripple effects including economic segregation where only the wealthy can afford to self-insure and live in high-risk areas, the renovation trap where home improvements can trigger policy cancellations, and the politically explosive question of managed retreat. Some communities are already becoming uninhabitable, and society must decide which places deserve protection and which should be abandoned.
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