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KXLY January 13, 2021 4:00 AM Ed Leefeldt - Forbes Advisor Posted: Updated: January 15, 2021 4:14 AM After a 2020 filled with hurricanes and wildfires, this year could be the moment when the U.S. insurance industry finally grapples with climate change. Who will win that wrestling match? Insurers? Homeowners? Or the increasingly challenging environment? “The alarm bells are now ringing loudly,” says Karen Collins, who handles home insurance and other personal lines for the American Property Casualty Insurance Association (APCIA). “Climate change is leading to skyrocketing costs to insure and rebuild.” While big multinational insurers like Munch Re and Swiss Re have been watching worldwide warming trends for more than a decade, U.S. property-casualty insurers have for the most part kept their heads down and relied on the huge $825 billion surplus in their war chests to keep them afloat.

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