{"id":11841,"date":"2025-03-11T11:34:04","date_gmt":"2025-03-11T11:34:04","guid":{"rendered":"https:\/\/midamerica.news\/winnebago-county-tribune\/?p=11841"},"modified":"2025-03-11T11:34:04","modified_gmt":"2025-03-11T11:34:04","slug":"dont-let-insurers-get-away-with-fleecing-homeowners","status":"publish","type":"post","link":"https:\/\/midamerica.news\/winnebago-county-tribune\/2025\/03\/11\/dont-let-insurers-get-away-with-fleecing-homeowners\/","title":{"rendered":"Don\u2019t Let Insurers Get Away With Fleecing Homeowners"},"content":{"rendered":"
\n

In an age of climate disasters, insurance should be a safeguard for families, not a gamble where the house always wins.<\/span><\/h3>\n<\/div>\n
\n
\"Damage<\/a>
Damage from the 2020 Derecho in Iowa included this grain bin in Jackson County. (Photo by Phil Roeder, Flickr<\/a>\/CC-By-2.0)<\/figcaption><\/figure>\n<\/div>\n
<\/div>\n
\n
By\u00a0Kelsey Condon<\/a><\/span><\/div>\n<\/div>\n
\n
\n

As climate-fueled disasters escalate, insurers are getting\u00a0richer<\/a>\u00a0while leaving Americans in the lurch.\u00a0Citing climate-related losses<\/a>, many insurance companies are exorbitantly\u00a0inflating rates<\/a>, refusing to\u00a0renew policies<\/a>, and delaying, denying, or underpaying claims.<\/span><\/p>\n

The latest of many examples is Los Angeles, where\u00a0wildfires<\/a>\u00a0devoured over 40,000 acres and left thousands unhoused and unemployed.<\/span><\/p>\n

Many families were\u00a0dropped by their insurers<\/a>\u00a0or\u00a0struggled to find<\/a>\u00a0affordable options before the fires. Some\u00a0turned<\/a>\u00a0to the state\u2019s coverage\u00a0plan<\/a>, which costs more and covers less. But despite\u00a0years<\/a>\u00a0of\u00a0profitability<\/a>\u00a0from dumping the riskiest policies onto the\u00a0overburdened<\/a>\u00a0state plan, insurers are\u00a0already<\/a>\u00a0demanding rate hikes to squeeze more profit from consumers.<\/span><\/p>\n

It\u2019s a story Americans in other parts of the country know all too well.<\/span><\/p>\n

After Hurricanes\u00a0Laura<\/a>\u00a0and\u00a0Ida<\/a>\u00a0devastated Louisiana in 2020 and 2021, claims\u00a0languished<\/a>\u00a0for months or years. Families were often forced to sue to receive insurance compensation.<\/span><\/p>\n

Following Hurricane Ian in 2022, Floridians\u2019 payouts were\u00a0drastically reduced<\/a>\u00a0from what insurers initially promised. Six months later, tens of thousands of claims were still open. And two years later, 25 percent had been closed\u00a0without payment<\/a>.<\/span><\/p>\n

In Hawaii, insurance companies\u00a0held up<\/a>\u00a0the 2023 Lahaina wildfire settlement for\u00a0a year and a half<\/a>\u00a0before providing compensation.<\/span><\/p>\n

\"\"<\/a>
A machine shed just outside of Eagle Grove was utterly destroyed by the 2021 derecho. (Photo by Edward Lynn\/MAP Photo)<\/figcaption><\/figure>\n

These issues\u00a0aren\u2019t exclusive<\/a>\u00a0to coastal or wildfire-prone states. Homeowners in Iowa, for example, struggled for\u00a0two years<\/a>\u00a0to resolve insurance claims following a destructive 2020\u00a0derecho<\/a>.<\/span><\/p>\n

Delays and underpayments can result in\u00a0significant financial hardship<\/a>\u00a0and\u00a0emotional<\/a>\u00a0strain<\/a>. Families face out-of-pocket expenses for temporary housing, repairs, and secondary damage (like mold growth). These can increase debt and lower credit scores, ultimately making mortgage and other routine obligations more difficult or even impossible to meet.<\/span><\/p>\n

Raising premiums likewise exacerbates burdens on both\u00a0homeowners<\/a>\u00a0and\u00a0renters<\/a>\u00a0and increases mortgage\u00a0delinquency rates<\/a>. These impacts are\u00a0worse<\/a>\u00a0for\u00a0Black, Latin American, Native American<\/a>, and\u00a0lower-income<\/a>\u00a0households of all races, as\u00a0exposed<\/a>\u00a0recently in hard-hit Black neighborhoods around Los Angeles.<\/span><\/p>\n

The insurance industry isn\u2019t just stiffing homeowners with claim denials and rate hikes. It\u2019s also financing the driving force behind these disasters themselves.<\/span><\/p>\n

By\u00a0continuing<\/a>\u00a0to underwrite and invest\u00a0billions of dollars<\/a>\u00a0in fossil fuel projects \u2014\u00a0knowing<\/a>\u00a0full well that growing\u00a0climate risks<\/a>\u00a0are making homes uninsurable \u2014 insurers\u00a0actively contribute<\/a>\u00a0to the disasters they later refuse to cover.<\/span><\/p>\n

Insurers market themselves as \u201cgood neighbors\u201d or assure homeowners they\u2019re \u201cin good hands.\u201d But they\u00a0accumulate wealth<\/a>\u00a0and pay\u00a0dividends<\/a>\u00a0to shareholders with money\u00a0generated<\/a>\u00a0by the premiums paid by working people \u2014 who don\u2019t get a refund when there\u00a0aren\u2019t\u00a0<\/i>disasters.<\/span><\/p>\n

This is a feature, not a bug. The system is working as designed by and for the industry.<\/span><\/p>\n

Our elected officials let this crisis fester by failing to hold insurers accountable. The industry\u2019s model of profiting in good times and walking away in bad cannot stand. Insurance\u00a0should<\/i>\u00a0be a safeguard for families, not a gamble where the house always wins.<\/span><\/p>\n

At a minimum, this means: enforcing and assisting homeowners in fair, fast claims handling; stopping extreme premium hikes, especially after disasters; and preventing companies from\u00a0holding states hostage<\/a>\u00a0or fleeing the market following a disaster.<\/span><\/p>\n

It also means phasing out and blocking the expansion of investments in fossil fuels; requiring investments in (and premium discounts for) climate mitigation to protect our housing stock, especially affordable housing (which\u00a0includes<\/a>\u00a0affordable insurance).<\/span><\/p>\n

Finally, it means exploring a national disaster insurance backstop to stabilize coverage \u2014 and rejecting attempts to force working people to bail out insurers.<\/span><\/p>\n

Policymakers have a choice: continue prioritizing corporate profits over people \u2014 or finally stand up for homeowners who have played by the rules, paid their premiums, and somehow still ended up holding the bag.<\/span><\/p>\n

Kelsey Condon is Policy Counsel for Climate Finance at Americans for Financial Reform Education Fund, where they work to address systemic climate-related financial risk in the banking and insurance sectors. This op-ed was distributed by OtherWords.org<\/em><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

In an age of climate disasters, insurance should be a safeguard for families, not a gamble where the house always wins. By\u00a0Kelsey Condon As climate-fueled disasters escalate, insurers are getting\u00a0richer\u00a0while leaving Americans in the lurch.\u00a0Citing climate-related losses, many insurance companies are exorbitantly\u00a0inflating rates, refusing to\u00a0renew policies, and delaying, denying, or<\/p>\n","protected":false},"author":1,"featured_media":11842,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7662,7660,7664],"tags":[],"class_list":["post-11841","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ia-opinion","category-opinion","category-us-opinion",""],"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"yoast_head":"\nDon\u2019t Let Insurers Get Away With Fleecing Homeowners - Winnebago County Tribune<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/midamerica.news\/winnebago-county-tribune\/2025\/03\/11\/dont-let-insurers-get-away-with-fleecing-homeowners\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Don\u2019t Let Insurers Get Away With Fleecing Homeowners - Winnebago County Tribune\" \/>\n<meta property=\"og:description\" content=\"In an age of climate disasters, insurance should be a safeguard for families, not a gamble where the house always wins. 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