Friday, 20 December 2024

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Thursday, 19 December 2024

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Wednesday, 18 December 2024

Health Alert: Microplastics may be leading to lung and colon cancer, new study shows

Health Alert

Dec. 18, 3:10 p.m. EST

Microplastics may be leading to lung and colon cancer, new study shows

Researchers from the University of California at San Francisco reviewed thousands of studies to find that microplastics are linked to certain carcinogenic effects and reproductive problems. It's the latest evidence of harms from plastic production, which is projected to triple by 2060.

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Tuesday, 17 December 2024

Breaking News: UnitedHealthcare CEO shooting suspect indicted in New York on first-degree murder charge, among others

Breaking News

Dec. 17, 3:34 p.m. EST

UnitedHealthcare CEO shooting suspect indicted in New York on first-degree murder charge, among others

Luigi Mangione, who was arrested last week in Pennsylvania after a days-long search, was charged with 11 counts, including one count of murder in the first degree and two counts of murder in the second degree. Mangione is in custody in Pennsylvania, where he faces other criminal charges.

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Climate Coach: Insuring your home has never been harder. Here’s how to do it.

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Climate Coach
Down-to-earth advice for life on our changing planet.

Climate Coach will be taking a break until Jan. 7 for the holidays. See you in the new year!

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(Emily Wright/The Washington Post)

Insuring your home has never been harder. Here's how to do it.

Many Americans are watching their hold on homeownership slip away as insurance costs balloon beyond their ability to pay. A combination of broad economic trends — labor shortages, inflation, higher reinsurance and rebuilding costs — and more costly and uncertain extreme weather events are driving up premiums.

Historically, insurance was a win-win for everyone. Homeowners paid a small premium to receive a payout after a natural disaster or other loss. Insurers turned a profit by spreading the risk among homeowners across the country. But costs from extreme weather events have been rising, in part because Americans have continued to move into areas that are more vulnerable to severe storms.

Insurers are passing these costs to consumers with higher rates and more restricted coverage. In some states, insurers have stopped issuing new policies altogether. Ordinary Americans must now make hard calculations: Can they afford to stay, or is there a way to navigate this new insurance market?

(The Washington Post)

Property insurance premiums have risen by more than 30 percent since 2020, the last full year the industry posted an underwriting profit. And insurers are still fleeing markets — seven out of California's top 12 carriers have curtailed coverage over the last two years — or going bankrupt. Public plans, once a last resort, are the largest (and sometimes only) affordable option in "insurance deserts," where private insurers no longer offer new standard policies.

About 10 percent of U.S. homeowners are now forgoing insurance, double the recent rate. Or in some cases, they're selling their homes citing insurance premiums that rival mortgage payments.

That doesn't mean insurance can't work for you. The market is opaque and confusing. But there are ways to find plans that protect your home and safeguard your future amid intensifying climate risk.

It's a new insurance world out there. Here's a road map.

Read the full story