"The official policy of the US government [is] that greenhouse gases don’t endanger Americans’ well-being and therefore don’t need federal regulation. Insurance companies, meanwhile, live in a parallel universe where greenhouse gases are heating the atmosphere and intensifying natural disasters, harming human health, destroying property and raising insurance costs.The US government’s universe is an increasingly lonely fantasy world. You’re trapped in the real one."https://www.bloomberg.com/opinion/articles/2026-02-11/the-insurance-crisis-is-about-to-get-even-worse
