Natural disasters are making it harder for you to insure your home — and costing homeowners thousands

• Reinsurance costs, emergency backstops for insurance companies, have risen in some states by 40%. 
• Those costs are being passed on to homeowners in states like Florida and California.
• Are you a homeowner seeing increased costs due to the climate crisis? We want to hear from you.

Earlier this year, Florida resident Danny Collins received a surprise in the mail: His monthly mortgage payment was going up $1,000.