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A complicating factor is there's more than one force at work.I am surprised that people are not discussing the elephant in the room, which will surely cause changes.
The insurance industry and the cost to reinsure, coastal zones, flood zones, fire zones, etc.
They are not basing their data on hearsay.
Climate change is one thing that's influencing disasters and insurance claims but there are also many more direct human actions responsible for it.
As a case in point, I've only ever had one house insurance claim in my lifetime. It was this year and was indeed triggered by extreme weather.
But was my insurance claim really due to climate change?
Or was it because the neighbour refused to remove their tree that's in poor health, breaking of which was the cause of the damage?
Or could we go back a step further and say that the law which imposes restrictions on removing large trees without approval, which is extremely difficult and costly to obtain, is the cause given that's the reason they didn't remove the tree?
There are plenty more examples of humans doing silly things which leads to insurance claims not because of weather per se, but simply because weather triggers what was always inevitable.
Building on flood plains is an example. Failing to clear bush around houses or adequately burn off is another and I see the usual suspects are complaining about that once again. Simply using poor choices of design and materials are another. Then there's poor construction or maintenance. All could be blamed on weather as the trigger but the real cause was just humans being silly.
That's not to say there isn't climate change but there's a lot of other things leading to increasing insurance payouts too.
Another is simply that so much modern stuff is a write off with even the slightest damage. At one time something would've survived unharmed due to being built with heavier materials. Then it became a case of repairing it. Today it's write off and replacement.