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America’s Home Insurance Crisis Is Everyone’s Problem - EARLY ACCESS, AD-FREE, & UNCENSORED (Patreon)

Published:
2025-05-06 18:34:25
Imported:
2026-06
Tags:

Content

Hi. Home insurance rates are skyrocketing because of climate change disasters and a lack of regulation, and it’s going to cost you more whether you own your home or not.

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America’s Home Insurance Crisis Is Everyone’s Problem - - EARLY ACCESS, AD-FREE, & UNCENSORED

THi. Home insurance rates are skyrocketing because of climate change disasters and a lack of regulation, and it’s going to cost you more whether you own your home or not. Hosted by Cody Johnston Executive Producer - Katy Stoll Directed by Will Gordh Written by Erik Barnes Produced by Jonathan Harris Edited by Gregg Meller Post-Production Supervisor / Motion Graphics & VFX - John Conway Researcher - Marco Siler-Gonzales Graphics by Clint DeNisco Head Writer - David Christopher Bell PATREON: https://patreon.com/somemorenews MERCH: https://shop.somemorenews.com YOUTUBE MEMBERSHIP: https://www.youtube.com/channel/UCvlj0IzjSnNoduQF0l3VGng/join

Comments

Jamie

If you own your home, make sure your homeowners insurance policy has the correct roof age/year listed. Many companies are applying endorsements automatically now that means they can pay you less the older your roof is. And they're going by the date on your policy declaration pages. Get that updated NOW before you have a huge roof loss and find out you're only covered for 50% of your roof bc the age is wrong.

Patreon Payer

Why’s it my problem Cody? I’m never going to be able to own a house

Vooster

I'm sure this will be covered in the video, but insurance rates for multi-family housing (apartments) have skyrocketed too. Especially in places like California, where housing is already expensive. I work in real estate finance, specifically in the field of Low Income Housing Tax Credits (LIHTC), and I remember how in 2023, after hurricane Idalia, there were talks of developers leaving places like Florida altogether after insurance rates went up between 20%-40% across the southeast US in one year.

Brendan K McBride

I sue property insurance companies for a living. There are dozens of ways they cheat their policyholders. There's no way for-profit insurance companies can properly fulfill their risk-sharing function without a lot of regulation or strong remedies in favor of policyholders to discourage bad faith claims handling practices - like treble damages for unpaid/underpaid benefits and attorneys' fees provisions.

Kim

I would listen to a SMN episode about the history of paint. 🤣

Vilacom

Going through a property claim right now, its been so miserable, they're not letting us renew our policy which would have happened on the 21st of this month but I cant get a new policy until the claim is closed, so now everything has to be rushed and just trying to get to where I can even have the option of buying a new policy. Its absolute bullshit

John Smith

Dropping this for anyone curious: https://smartclimatecredits.com/ If you're looking for city/state/federal home energy / weather proofing programs in your state, I've been putting together this resource. It's still a WIP, but I hope it's helpful!

Adam Hauck

I’m waiting for the girthquake that will consume us all…

Mimosa

As a viewer based in Japan: good job on that “jishin” Cody. Dandadan is indeed very good.

Steve Snyder

Love the herb garden/boa constrictor simile. Jokes really help the sour info go down.

Matt Ellen

what happened with gushers in Cody's bed that regulation was too little and too late to prevent?