Waiting a year is an intentional and strategic choice. This offers more time to prepare and develop the best proposal possible. Taking this opportunity away in the final hour is a gut punch. They worked so hard and don’t even get to throw their hat in the ring. This is harm and generational impact.

Most U.S. home insurance rates aren’t driven by climate risk but mainly by credit scores. Crucial price signals about danger are getting lost, while lower-credit (often lower-income) Americans pay the most as risks climb. Needed: pricing transparency from insurers. open.substack.com/pub/susanpcr...