[Stu from NYC]

Originally Posted by jimjamuser

A good time to ask WHAT is CAUSING that, "plethora of natural disasters"? The scientific community says that it is global warming caused by CO2 emissions (cars, trucks, and golf carts) that end up in the upper atmosphere and in the ocean (killing the coral reefs). The world's population in 1960 was 3 billion, today it is 9 billion....which means more polluting vehicles operating around the world.
......The UN stated that so far 2023 has the record for world temperatures. And each year from now on is predicted to have increased temperatures. This will CAUSE INSURANCE to keep rising, due to increased hurricanes, fires, and other natural disasters.
.......Interestingly, there is a recent factory in the US that scrubs CO2 from the atmosphere and neutralizes it (in caves). But, there needs to be about 50 to 100 more such factories built by other countries around the world to begin to remove enough CO2 to reverse the global warming.
.........And therefore reduce insurance costs.

Well this might solve the problem in 20 years or so but think the better question is what can be done now to keep insurance costs more management in the next few years.