Guest: Dr. Philip Mulder, Assistant Professor at UW-Madison
Once you become a homeowner, you are flooded with the overwhelming responsibility of protecting your home, which means that you are going to need home insurance! But is it fair that your insurance may cost significantly more because of the weather that tends to happen around you? Or, what if homeowner’s insurance isn’t even available to you at all because of the weather? That is the current reality for some home and business owners across the U.S. Today on Weather Geeks, we brought on economist Dr. Philip Mulder who has already crunched the numbers about why that is and how insurance providers can get away with this..
Chapters
- 00:00 Introduction to Homeowner's Insurance and Climate Risks
- 02:53 The Role of the National Flood Insurance Program
- 05:54 Challenges of Flood Mapping and Insurance Coverage
- 09:08 Impact of Recent Hurricanes on Insurance
- 11:54 Understanding Mortgage Escrow and Insurance Premiums
- 14:56 Trends in Homeowners Insurance Premiums
- 17:49 The Role of Reinsurance in Insurance Markets
- 21:05 Climate Change and Future Insurance Trends
- 23:59 Insurance Burden on Low-Income Communities
- 27:04 Future Research Directions in Insurance and Climate Risk
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