Zac J. Taylor is an assistant professor at the Faculty of Architecture and the Built Environment at Delft University of Technology and a fellow with the Climate and Community Institute; their work examines how financial institutions manage climate risk in the built environment and what this means for equitable urban climate transitions.
The home insurance system is fatally flawed. As climate disasters intensify, it’s becoming dangerously clear this system cannot protect us. We need a new model entirely — one focused on safeguarding people from financial consequences, not enriching insurers.