Government policy has significant impacts on the probability of total loss events, such as wildfire or flooding.

Climate change is a really good excuse for insurance companies to raise premiums... people just shrug their shoulders and say "what are you gonna do?", then pay the new premiums.

Some of what insurance companies say may be true, but quite a bit of it is not. Funny how we don't believe health insurance companies but we'll take property insurance companies for their word.

Governments control budgeting and staffing for first responder units, they control training budgets, they control responses. While climate change may be impacting some of these events, they should never spiral into massive total loss events like as-of late.