Good morning. If the Los Angeles wildfires are bracing evidence of the general threat posed by the climate crisis, they have also brought home a specific problem: how can you make the insurance system work when the risks are so high?
That is not a question limited to California, or to the United States: the insurance industry has rated the climate crisis as the biggest threat to its future four years in a row, a very concrete riposte to those politicians who continue to question the reality of global heating. It is impossible to know whether a specific weather event like storm Éowyn in the UK has been caused by climate change – but we know that they, and the damage they leave in their wake, are only going to get more frequent.
