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The problem is that insurance companies are already looking 20yrs ahead and realising they probably can't collect enough from you to cover the climate change induced natural disaster that will inevitably destroy your house.
Sadly the likely outcome of this will be that the tax payer will end up on the hook for the insurance for uninsurable houses and we'll be completely screwed in 20yrs.

#auspol

https://www.abc.net.au/news/2025-03-10/anthony-albanese-warns-insurers-ripping-off-australians/105031258
Disingenuous twaddle from Elbow.
Btw, Insurers were looking ahead 20 years, 30 years ago. Perhaps they should have been putting pressure on the Federal Government then...and since.