Pod Insights Short Wave Wanna Save Money? Climate-Proof Your Home About this episode Homeowners' insurance isn't just getting more expensive ... it's also getting harder to secure in the first place. Across the country, an increase in climate-related disasters like heat waves, wildfires and hurricanes is creating challenges for both insurers and their customers https://home.treasury.gov/news/press-releases/jy2791. One successful strategy taking hold in Alabama and other states: Climate-proofing houses — and incentivizing it with insurance discounts.
Still, not all states or homeowners face similar risks. And insurers aren't legally required to take climate-proofing into account when assessing the insurability of a home. That's why states are experimenting with different programs — and insurance legislation — to find a solution.
This episode is part of NPR's Climate Solutions Week: a series of stories covering real world solutions https://www.npr.org/series/1199537689/climate-week for building, and living, on a hotter planet.
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0:28 Regina Barber? This week at NPR, we're covering climate solutions. And today, we're starting with a solution that, at first glance, seems pretty basic. It's a roof, a roof that doesn't really look any different from any other one you'd see on a standard house. And here today to explain why it's special is Lauren Sommer from NPR's Climate Desk and Stephen Besseha from the Gulf State's newsroom. Hey.
0:48 Speaker 02 Hi.
0:48 Speaker 03 Hey, good to be with you.
0:49 Regina Barber? OK, so Stephen, tell me, like, what can this roof do?
0:52 Speaker 03 So the example roof we're going to use is just a short drive from the Gulf Coast in Alabama. I met the owner of the house, Ron Watson, and he was pretty psyched about replacing his old roof.
1:03 Speaker 04 Yeah, I've been up there with a bucket of tar covering large patches where leaks had popped up.
1:09 Speaker 02 Beyond just being more functional, this roof is also saving Ron money. It reduces the cost of his insurance premium.
1:17 Regina Barber? Ooh.
1:17 Speaker 02 And premiums are going up around the country.
1:20 Speaker 04 That's a big incentive. I mean, homeowners insurance now has been through the roof because of the storms we've had through here.
1:28 Regina Barber? Yeah, I've heard homeowners insurance is getting, like, more expensive. It's also harder to get across the country. So how will this roof save him on his insurance?
1:38 Speaker 02 So, you know, the Gulf gets a lot of hurricanes. We're heading into hurricane season right now. Those hurricanes are getting more intense as the climate gets hotter.
1:47 Regina Barber? Yeah.
1:47 Speaker 02 And in those powerful winds, you know, roofs get torn right off of houses.
1:51 Speaker 03 So Watson recently got a new strengthened roof, specifically designed with those home-wrecking storms in mind.
1:58 Speaker 04 Watching them do it, I realized, man, all the ones I had done before wasn't near as good as this one is.
2:04 Speaker 03 And since it's less likely to be damaged, his insurance company gives him a discount.
2:09 Regina Barber? Got it. So it's like a less risky roof.
2:11 Speaker 03 Yeah.
2:11 Regina Barber? And that means the insurance company doesn't have to like charge as much for his insurance.
2:15 Speaker 02 Yeah, exactly. This is a program that Alabama pioneered, and it's starting to spread because there are millions of homes that are at risk from wildfires and storms. And states want to incentivize people to make their communities safer.
2:29 Speaker 03 But in some states, it's not going quite as well. And there are even bigger problems with insurance that these programs don't address.
2:36 Regina Barber? So today on the show, the insurance problem, how climate change is driving a crisis in home insurance, and how states are experimenting to find better solutions. I'm Regina Barber, and you're listening to Short Wave, the science podcast from NPR.
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4:14 Regina Barber? So Lauren, Stephen, you've reported on how states are trying to deal with like two problems: home insurance and natural disasters. And these aren't just like casual rainstorms, yeah? Like with climate change, storms are getting more extreme.
4:28 Speaker 02 Yeah, exactly. And the problem with these storms is they're basically a one-two punch for a house.
4:33 Speaker 03 Yeah, I talked to Kendall Duke about that. She's a contractor with Fortified Exteriors, which installed Ron's roof. And I learned that that first punch comes from high winds.
4:44 Speaker 06 If your roof starts going, even just a couple shingles, it's just kind of a ripple effect from there.
4:50 Speaker 02 You can hear all that rain, right?
4:51 Regina Barber? Yeah.
4:52 Speaker 06 Wow.
4:53 Speaker 02 Yeah, that's punch number two. You know, once that roof gets damaged, the rain can get inside, you know? And that starts to rot things, from the drywall to the family photos.
5:03 Regina Barber? So what makes these roofs like so much better at dealing with this one-two punch than a regular ones, like sitting on top of like most American houses right now?
5:11 Speaker 03 Yeah, well, the idea was to counter that one-two punch. Alabama adopted this like one-two defense. It is called a fortified roof. Basically, it's this construction benchmark for making roofs storm-ready.
5:23 Speaker 02 Yeah, so first, there's this waterproof stick-on layer.
5:27 Speaker 06 If for some reason a shingle does blow off, you're still not going to get water into your house because the roof underneath is fully sealed on the decking.
5:35 Speaker 03 So it's a really expensive waterproof sticker at the end of the day.
5:38 Speaker 06 Pretty much, yeah.
5:40 Speaker 02 And then there are these special nails with these ridges running down the side, and it makes them much more resistant to wind. And that's what Fortified Exteriors is installing on a home in Mobile.
5:52 Regina Barber? Yeah, I love a little home improvement, especially if I'm not doing it myself.
5:56 Speaker 03 Yeah, right.
5:57 Regina Barber? Is there any evidence these extra protections actually work, though?
6:00 Speaker 03 Yeah, Alabama's insurance department, they just released a study that looked into Hurricane Sally. And Sally made landfall along the Alabama coast as a level-two hurricane in 2020.
6:11 Speaker 02 And so compared to, you know, those standard roofs, the ones that were fortified did a lot better. Homeowners with those special roofs filed fewer claims, and the claims they did file were for less damage. The exception to this was damage from fallen trees.
6:26 Regina Barber? I mean, installing a new roof is already pretty expensive, like even before adding the waterproof layer, these special nails. Like, how does Alabama get people to actually switch to this fortified version?
6:37 Speaker 03 Well, a big one for homeowners are these grants that they could get from the state. They cover up to $10,000 for the cost of a fortified roof. These grants get handed out every three months. And I've heard lots of stories from homeowners, like, sitting at their computer, hitting refresh until the application opens, like, you know, kind of like a Taylor Swift ticket drop.
6:55 Regina Barber? Wow.
6:56 Speaker 03 I mean, $10,000, you're gonna wait for it.
6:58 Speaker 02 And, you know, the other big incentive is that discount we talked about on your insurance. So in Alabama, if you have a fortified roof, you get a discount of 20% to 35% off the wind portion of your premium, which for many people is kind of the bulk of your insurance premium. And that can be hundreds of dollars a year.
7:16 Regina Barber? Wow.
7:17 Speaker 03 And Alabama pioneered this program. After state lawmakers, they passed this law to create it in 2012. It did take a few years to roll out all those perks and, you know, work out the kinks. But today, state officials say more than 50,000 roofs in the state are now fortified.
7:32 Regina Barber? Wow.
7:33 Speaker 03 Yeah, in other states, they are copying it. Louisiana and Mississippi have started their own insurance discount programs. And it's spread to states with different kinds of disasters, too.
7:42 Regina Barber? And Lauren, you've reported, like, from one of those other states, right?
7:46 Speaker 02 Yeah, yeah, I talked to homeowners in California, where the discount program is really only a couple of years old. And there, of course, wildfires are on people's minds. Especially one homeowner I met in Oakland. Her name's Elizabeth Stage. And she doesn't have to wonder what a wildfire might do to her neighborhood because she's seen it firsthand.
8:07 Speaker 07 The 91 fire got within two houses of mine. House next door was unscathed, and the one past that was completely charred on one side.
8:17 Speaker 03 She's talking about the Oakland Hills Fire. And that fire burned more than 3,000 houses in 1991.
8:23 Regina Barber? Wow, OK, but her house was OK. But how did that change how she felt about living there?
8:29 Speaker 03 Yeah, so Elizabeth volunteers her time in local groups that work on wildfire safety. But it was really only a few years ago when she started thinking about her own home because she had maintenance projects that needed doing. And with each of them, there were ways she could make better choices for wildfire risk.
8:46 Speaker 07 The deck... Used to be made out of redwood. It was really pretty, high maintenance, but pretty.
8:51 Speaker 02 So that wood deck is now made of Trex. It's a composite material that's less likely to ignite.
8:56 Speaker 07 If you look here.
8:58 Speaker 02 The siding isn't wood anymore. The roof is fire resistant.
9:02 Speaker 07 The windows have been replaced. It's some kind of tempered glass.
9:06 Speaker 02 Tempered glass is actually less likely to shatter in heat from a wildfire, which is what lets the flames right into your house. And then the vegetation is cut away within five feet of the house because that can spread fire as well. All of this helps because in a wildfire, houses are hit with this kind of like shower of embers, and that's blown far ahead of the fire itself. And that's how many homes ignite.
9:29 Regina Barber? That's a lot of projects. Like, so what does California offer in terms of insurance discounts to like offset that cost?
9:35 Speaker 02 Yeah, so the discounts in California are lower than in Alabama. Elizabeth Insurance Company could only knock off up to 15%. And that's at the upper end of what's offered in California. Some companies only offer 8% and homeowners still have to pay for the inspection. California's insurance regulators say those discounts could go up as the program develops. But, you know, I talked to other homeowners who said, right now, it's just not enough to motivate them to do some of these expensive home projects.
10:06 Regina Barber? OK, so would it make sense for California to just like copy Alabama to do like higher discounts than they offer?
10:13 Speaker 03 Well, there are some key differences between the states and different kinds of disasters. Michael Wora studies climate risk at Stanford University. And he says, you know, it's just simpler to change out a roof.
10:24 Speaker 05 The benefits of a super roof are fully captured by the person that makes the investment. One of the challenges with fire hardening is that it matters what your neighbors do, too.
10:35 Speaker 03 Even if a homeowner does, you know, everything right, their house can still be at risk if their neighbors don't.
10:40 Regina Barber? Yeah.
10:41 Speaker 03 If they have a lot of flammable vegetation and their house catches fire, it could spread from house to house because it's so hot.
10:48 Regina Barber? Wow, yeah, it sounds like there's a lot that depends on your neighbors, like, and what they do. It's not all within your control.
10:54 Speaker 02 Yeah, exactly. So for wildfire risk, insurance companies may not see a reason to give a big discount unless entire neighborhoods work together to be safer. But you know, for homeowners like Elizabeth, the biggest motivation actually isn't a discount.
11:09 Speaker 07 It would be frosting on the cake. Before I worry about my premiums, I need to worry about my non-renewal notice.
11:17 Speaker 02 Non-renewal notice, what's that?
11:19 Speaker 03 Well, basically, we're talking about homeowners in California being dropped by their insurance companies. Nationwide, almost 2 million people lost home insurance from 2018 to 2023, according to a report from the Senate Budget Committee. And you know, it can be hard to find affordable insurance once you lose it.
11:37 Speaker 02 Wow. So if homeowners prepare for hurricanes and wildfires, does that mean it might help them keep their insurance? No, not necessarily. I mean, it could, but insurance companies actually aren't required to consider those things when they're deciding who to insure. Oh, geez. I talked to one of California's former insurance commissioners, Dave Jones, and he says that's a problem.
11:59 Speaker 08 Getting a discount is nice, but the discount doesn't matter a darn if the insurer won't renew or write your insurance. So I think that, you know, a focus on the discount is important. There needs to be even greater focus on getting the insurer's models that they use to decide whether to write and renew the insurance. So that's the bigger problem.
12:20 Speaker 03 He's talking about the complex computer models that insurance companies use to figure out how risky a home is and whether to insure it. Right now, state regulators do not have the power to make insurers consider those disaster preparations when deciding who to insure. It would take state lawmakers to do that.
12:38 Speaker 02 California lawmakers did introduce a bill to do that in 2020, but it didn't go anywhere. And it means that these discount programs don't really tap into one of the biggest motivations, which is simply keeping your insurance. And Dave says that's a missed opportunity because there are so many homes at risk from disasters, and insurance should be sending the right signals about what to do. Totally. I can see how this could affect so many people, and I didn't know any of this before. Lauren, Stephen, thank you so much for bringing us this story.
13:11 Speaker 03 Yeah, thanks for having us.
13:11 Speaker 02 Yeah, thanks.
13:16 Regina Barber? Before we head out, a reminder that this story is part of a whole week of stories NPR is reporting out about climate change solutions for living and building on a hotter planet. Check out the link to the series in our show notes. Also, if you liked this episode, follow us on the NPR app or wherever else you get your podcasts. This episode was produced by Hannah Chin and edited by our showrunner Rebecca Ramirez. Tyler Jones checked the facts. Kwasi Lee was the audio engineer. I'm Regina Barber. Thank you for listening to Short Wave from NPR.
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