id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
blsr-19367	Julia Kuhn	The Impact of Climate Shocks on Homeowners' Insurance: A Legal, Economic, and Public Policy Analysis	2025	34	.pdf	application/pdf	7532	382	47	As evidenced by the data, the results of this system are far from efficient.41 Aside from the fact that insurance companies pass on public intervenor fees to policyholders, the intervenor process has a “five-year average filing delay of 236 days for homeowners insurance. 27 Carolina, North Carolina, and Tennessee, and caused approximately $79.6 billion in damages, as well as Hurricane Milton, which made landfall on Florida and resulted in an estimated $34.3 billion in damages.52,58 Earlier this year, the Los Angeles Wildfires, which include the Palisades Fire and the Eaton Fire, devastated California.32 Damages are expected to cost between $28 billion and $53.8 billion.32 This can all be compared to the 1980s, where the United States only averaged three climate disasters that exceeded $1 billion throughout the entire decade.58 The Problem Indeed, one of the most notable effects of these climate shocks can be seen in the market for homeowners' insurance.	cache/blsr-19367.pdf	txt/blsr-19367.txt