I used to work for a property insurance company about 10 years ago and by that time, no one on the industry was a climate skeptic.

Here's something they did about earthquakes we might start seeing in areas where climate change hits hardest:

This is on the west coast of Canada, and this company jacked up premium prices in areas they thought would be hardest hit by the anticipated mega-earthquake that may happen any time between now and a hundred years or so. They were hoping to dump those customers except it turns out all the other companies had the same idea. This started a gouging war between them, believing the only solution is higher and higher premiums. So many people just ended up paying more with no option, or without realizing they had one. There was only one major carrier that didn't do this and if your broker didn't sell their policies, you just had no option but to pay way more.