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Where's the part that kills people tho?
Original OP said the homeowners insurance debacle in FL is going to contribute to the climate change deaths mention in the article.
I'm trying to understand how lack of property insurance results in excess deaths
Fair enough. Just speculating at this point, but I would think that, since it's rather difficult to just up and move to another state, people are going to find that they can't insure their homes, or if they can, they would be for exorbitant rates.
Banks require home insurance for a mortgage, so if all the insurance companies start pulling out, you're going to have large swathes of people who can't find or can't afford their insurance. I'm not sure what happens to your mortgage when you lose/can't find somebody to insure you, though, I imagine it's nothing good.
So if they have nobody willing to insure them (not there yet, but if all insurers start pulling out...) You'll have swathes of people who can't insure their homes and may go into foreclosure. Homelessness increases, and the homeless are some of the most vulnerable people in the country, so perhaps that's what they were thinking?
It's certainly going to cause significant financial hardships for those states at the very least, though how climate change's impact on the insurance industry SPECIFICALLY increases deaths, I am not sure.