Carolyn Kousky
speaker
52 appearances
1 recordings
1 series
first heard Jun 2026
last heard 29 Jun
Carolyn Kousky’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jun 2026 with 1.
Appearances
And that's still a tension that we're seeing right now because what's happened in the last few years is that many insurance companies have raised rates or exited these high-risk areas, forcing consumers into these state programs.
So California, Louisiana, Florida have all seen dramatic increases in the number of residents who have to find coverage through the state program.
And so that's raising these questions of who should pay for the cost of disasters.
And here's where it gets doomsday, right?
We're all used to hearing the hottest year on record, hottest month on record.
If you flip that and say, that means this summer was the coolest you might see in your lifetime, that I think starts to drive home what we're dealing with.
There's a really big opportunity for insurers to lean in and helping their policyholders after a loss to rebuild in a way that's more resilient.
To say, okay, now you need to repair, but let's do it in a way that is making your home safe for the future and the future risks that you're gonna face.
There's not a silver bullet answer.
There's not a perfect program to implement or product that's going to solve everything.
There's not some new standard to design to because risk is going to keep changing.
What we need is a shared culture of risk management, which means bringing people into the insurance conversation that are new to it.
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