Insurance companies jacking up premiums and/or pulling out of areas is like the only proper feedback loop for adapting to climate change left. Not saying I'm happy about it. I would not be totally shocked if health insurance starts having carve outs for heat related illnesses and their complications. Typing it out, I guess what's more likely is raising premiums in areas with hospitals that serve a patient base in a high risk area.

It's not even evil, it's just math, so long as this is the way we want healthcare to "work".

Damn they might be insuring large companies that are causing climate change, that might just seemingly possibly affect their business.

See, I don't understand acts of god as it pertains to insurance. Acts of god are unforeseen, unavoidable accidents. What is insurance for if not literally that exact situation?

Insurance Companies: "Climate related disasters are acts of God."

Also Insurance Companies: "Welp, time for us to GTFO of places where 'acts of God' seem to be occuring with increasing frequency."

2025: The supreme court of the US has decreed that god created humans therefore any human-made disasters are by transitive property of mathematics, "acts of god".

Acts of God get companies out of a lot of financial burdens, so there is a financial incentive to continue labeling climate related natural disasters as Acts of God.

That said, insurance companies know the odds on events and are pricing in the risk of climate change even if they want to keep the worst instances as Acts of God.

Gotta make use of that Force Majeure-clause

They probably wish they could pin it on an entity and recover losses through subrogation rather than just taking the hit. By 'taking the hit' I mean all us taking the hit, but they'd probably like being able to shake money out of judgments and raise our rates at the same time