Rising Insurance Costs May Convince Americans That Climate Change Risks Are Real – Andy Hoffman in the Conversation

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Rising Insurance Costs May Convince Americans That Climate Change Risks Are Real – Andy Hoffman in the Conversation

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READ: With #hurricanes and #naturaldisasters causing insurance rates to rise, will more Americans pay attention to #climatechange? http://myumi.ch/6Qb9g @erbinstitute @HoffmanAndy @ConversationUS
Tuesday, October 23, 2018 - 11:45am

One of the great challenges of tackling climate change is making it real for people without a scientific background. That’s because the threat it poses can be so hard to see or feel.

In the wake of Hurricanes Florence and Michael, for example, one may be compelled to ask, “Was that climate change?” Many politicians and activists have indeed claimed that recent powerful storms are a result of climate change, yet it’s a tough sell.

What those who want to communicate climate risks need to do is rephrase the question around probabilities, not direct cause and effect. And for that, insurance is the proverbial “canary in the coal mine,” sensitive to the trends of climate change impacts and the costly risks they impose.

In other words, where scientists and educators have had limited success in convincing the public and politicians of the urgency of climate change, insurance companies may step into the breach.

Steroids and climate change 
Dr. Jane Lubchenco, an environmental scientist who oversaw the National Oceanic and Atmospheric Administration from 2009 to 2013, offers a clever analogy to convince people of the connection between the destruction wrought by a single hurricane and climate change. It involves steroids and baseball.

Her analogy goes like this. If a baseball player takes steroids, it’s hard to connect one particular home run to his drug use. But if his total number of home runs and batting averages increase dramatically, the connection becomes apparent.

“In similar fashion, what we are seeing on Earth today is weather on steroids,” Lubchenco explains. “We are seeing more, longer lasting heat waves, more intense storms, more droughts and more floods. Those patterns are what we expect with climate change.”

And those weather patterns come with a cost.

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Keywords: Environment | Andy Hoffman | Climate Action | Earthquakes | Emissions | Erb Institute | Hurricane Florence | Hurricane Sandy | Insurance | Research, Reports & Publications | Sustainable Development Goals