the windows, through the doors, through the walls, even. insurance rates nationwide jumped 9% this year according to underwriter insurance phi. floods and wildfire, hail storms and hurricanes. i had just moved here from florida last year. i m like this doesn t happen in new york. computer models show accelerating extreme weather. the uncertainty be on losses is quite difficult to model. that uncertainty is pushing premiums higher as the industry factors in more catastrophic losses. we re in the middle of an insurance company insurrection in california. in may, state farm, all-state and farmers capped or stopped selling homeowner s coverage in california where five years of wildfires wiped out 20 years of profits. even the state which insures those who can t get it privately lost a 50% rate hike.