'Making insurance effective in the face of climate change may require it to be legally enforced'

Recent hurricanes hitting the Southeastern United States have again robbed people of their homes, businesses and lives. Hurricane Helen, in late September, was followed up last week by Hurricane Milton, collapsing seemingly robust building structures and submerging communities across Florida in high waters. Many who are now confronted with the expenses of rebuilding are either not insured or are finding out that damages are not included in their policies.