"The article makes it sound like", which I used to emphasize the seeming misunderstanding that the author seems to have. Insurers aren't stupid. I don't think the author is stupid either; I think they're just not a SME. And unless you have credentials, neither are you or anyone else here. We have to be better at listening to the experts who dedicate their lives to this stuff, and we need to fund them whatever they need to do their work.
From the article;
“financial burden of these disasters often falls on individuals, businesses and governments, rather than insurance firms.”
Considering the article, your post was simply off-topic and inaccurate. There are flooding issues far from the coasts, and desertification in farmland far from where most people live.
“Houses spontaneously combusting” was just the most obvious fiction that would draw downvotes.
This was not an article denying atmospheric carbon dioxide. Open your mind to awaken others. Respect the fact that some eyes are already open.