The Life You Can’t Afford
What happened to the future a decent income was meant to buy?
$25 Digital PDF
Digital edition
Written on request
Yours within 24 hours*
Money & work · A BOOK PROPOSAL
The Weather Is in Your Mortgage
Insurance, climate risk, and the changing cost of staying put
This proposed book would make the financial side of climate exposure understandable at the household and community level. It would follow risk through insurance premiums, exclusions, rebuilding costs, lending, and local public budgets. Readers would learn which questions to ask when comparing places and policies, why historical prices can miss future pressures, and how private insurance and public backstops distribute losses. The focus would be informed judgment about uncertainty, without pretending any location is risk free.
Read it within 24 hours of accepted payment.Your order starts production. This is a proposed book, created when you choose it.
Inside the proposed edition
- How a hazard becomes a household bill
- Premiums, exclusions, deductibles, and nonrenewals
- What insurance does not cover
- The rebuilding price nobody budgets for
- When local governments inherit the risk
- Questions to ask before buying or renewing
The idea behind the book +
A January 2025 U.S. Treasury report found higher premiums and nonrenewal rates in ZIP codes with greater expected losses from climate-related hazards, using 2018–2022 data. Its findings connect physical risk with the cost and availability of homeowners insurance.
One digital copy · USD · Copyright stays with the author.