This year alone we've seen a surge in temperature shifts, deadly floods and

natural disasters many of which tie back to the effects of climate change.

Wildfires burning on the effects of climate change.

Wildfires burning on the island of Maui.

Flames were fanned by winds from a hurricane

causing the fire to spread faster than anyone expected.

We know that Florida's Gulf Coast could be devastated.

This means down power lines, intense flooding, fall in trees, destroyed homes and businesses.

That's causing a reckoning for insurance companies.

They're now either jacking up premiums for disaster

coverage or pulling out altogether in places where the risks are now just too high. Owning a home is a home is a life goal for many Americans and for generations

and for generations home ownership has been a core pillar of the U.S. economy,

protected by a little thing called home insurance. But now the industry is

facing an important new threat, climate change.

For years, humans have continued burning fossil fuels, causing the atmosphere to heat.

And this summer, nature responded with a vengeance.

When nature's fury is unleashed, homeowners expect their insurance to cover their losses,

protect their lifetime investments,

and make sure they have a place to live after the dust settles.

But as these losses pile up, insurance becomes unprofitable,

and some insurers are deciding simply to leave risky areas

behind altogether.

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