Flood Damage From Ida? Your Homeowner’s Policy Probably Won’t Cover That.

Most flood coverage is offered through a federal program, though some insurers offer extra insurance for sump pump failure.

Collapse Raises New Fears About Florida’s Shaky Insurance Market

Insurers were already skittish after losses from repeated hurricanes. The recent condo collapse has brought new insecurity. How long will Florida’s coast be insurable?

As Disasters Worsen, California Looks at Curbing Construction in Risky Areas

The state’s insurance regulator endorsed proposals that could reshape the real estate market, the latest sign of climate shocks hitting the economy.