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The brutal advance of global climate change is beginning to pop the seams of civilization in myriad places. The cumulative effects of supercharged storms, failing agriculture, rising seas, vicious heatwaves and rampant wildfires have gone beyond the destruction of individual lives and small communities, and have begun to apply unbearable strain on industries and institutions. Perhaps none more than the insurance industry, especially in the state that is in many respects ground zero for climate change’s worst hits — Florida. Continue reading