Articles on Insurance retreat
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Only 3% of spending on natural hazards focuses on reducing risk, allowing governments to shift liability but leaving communities unprepared.
Rising premiums and insurer retreat reflect deeper shifts in risk – and strain on a system built for a different era.
New research shows successive NZ governments keep opting for expensive short-term fixes after floods and other disasters. But there are two other choices available.
Adaptive planning doesn’t mean people have to abandon coastal towns. It is about having a roadmap with multiple options to adjust as climate conditions evolve.



