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This is Climate 1. I'm Greg Dalton. Around the world, climate-induced disasters are

increasingly wreaking havoc on people's lives, livelihoods, and property. You know, if you don't

want to believe the climate scientists believe the insurance companies, because they have a financial

stake in this, and they're the ones that are looking at the risk, and they 100% believe that climate change is real. But most of today's insurance isn't well designed

to respond quickly to disasters, meaning people may wait months or years for financial assistance.

And if you have huge expenses, you can't pay, you don't have the savings, you don't have a loan,

you don't have any way to handle it, then people can really start to spiral into really terrible financial

situations. There are alternative models to consider if we can put them into practice.

If we aren't thinking extremely creatively, I fear that we are too many decades behind

to actually get to the level of solution that we need to.

Underinsured against climate disaster. Up next on Climate One.

Home and property insurance is complicated and typically boring until a disaster happens to you.

Hurricane Fiona just flooded Puerto Rico with

heavy rain and high winds, knocking out power to the entire island, before moving north to become

the strongest storm in Canadian history when it hit the coast of eastern Nova Scotia.

As of this taping, tropical storm Ian has already brought historic flooding, damage, and power outages to Florida,

and is expected to strengthen back into a hurricane.

In recent years, hundreds of thousands of people in high-risk disaster areas across the U.S.

...