Aerial photo: residential lots cleared after homes were destroyed in the January 2025 Eaton Fire beside homes that remain standing in Altadena, Calif. — ROBYN BECK/AFP via Getty Images/AFP
As extreme weather — including recent wildfires, floods and tornadoes — becomes more common, many homeowners are dropping or going without insurance, often because premiums have climbed sharply. When families lack adequate coverage, disasters can leave households and whole communities exposed to severe financial hardship.
NPR is collecting firsthand accounts about dealing with home insurance companies and the choices people are making about coverage as costs rise. If you have a story about switching, canceling, being denied, paying higher premiums, or navigating claims, NPR wants to hear from you.
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