in the neighborhood. everybody had policies canceled and now must get their insurance through a state pool. i ve seen our choices shrink and the rates go up. from california to florida. the water was coming through the windows and doors and the walls even. insurance rates nationwide jumped 9% this year. floods and wildfire, hailstorms and hurricanes. i had just moved here from florida last year so i was this doesn t happen in new york. accelerating extreme weather. the uncertainty associated with climate change and the effects on losses is quite difficult to model. that uncertain teev 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, allstate and farmers capped or stop selling homeowners coverage in