As weather disasters become more and more frequent, the home insurance system feels broken for Americans across the country. Now, the advocacy nonprofit Consumer Reports is trying to implement a “homeowners insurance bill of rights” to codify baseline protections across all 50 states.
According to a survey from the group, homeowners have seen their insurance rates climb—like Sierra in North Carolina, whose insurance spiked 43% last year, with her provider citing the “increased regional weather risks” as well as Hurricane Helene’s impact specifically.
They’ve been denied payouts, like Charmian in Illinois, who says their provider refused to pay for hail damage on their roof. Hail storms are becoming both more frequent and more damaging as global temperatures rise.
And some homeowners hav