,,iii  #aaith ,,congress  #ast ,session 
,s4 ,,res4 #eed  ,,in ,,the ,,senate    
,,of ,,the ,,united ,,states  ,december 
#ag1 #bjbe,mr4 ,whitehouse 7for himself1
 ,mr4 ,merkley1 ,mr4 ,schatz1 ,mr4      
,markey1 ,mr4 ,van ,hollen1 ,ms4        
,duckworth1 ,ms4 ,smith1 ,mr4 ,padilla1 
,mr4 ,welch1 and ,ms4 ,blunt ,rochester7
 submitted the following resolution2    
which was referred to the ,committee on 
,banking1 ,housing1 and ,urban ,affairs 
,,resolution  ,recognizing the strong   
link between climate change and         
skyrocketing insurance premiums4        
,whereas1 at the time of the            
introduction of this resolution1 insured
 losses from natural disasters in the   
,united ,states exceed #ajj1jjj1jjj1jjj 
annually1 up from #h1djj1jjj1jjj in     
#bjjj1 an increase of #ajjj percent2    
,whereas1 from #bjac to #bjbb1 insurance
 costs more than doubled1 and by #bjbb1 
these costs accounted for more than #bj 
percent of mortgage payments2 ,whereas  
insurance premiums have increased #dj   

percent faster than inflation2 ,whereas 
premiums are projected to increase      
another #h percent in #bjbe1 reaching a 
national average of more than #c1ejj    
annually2 ,whereas annual premiums in   
#bjbd averaged more than #ad1jjj in     
,florida1 almost #aa1jjj in ,louisiana1 
almost #h1jjj in ,oklahoma1 #f1jjj in   
,texas and ,colorado1 and around #e1jjj 
in ,alabama1 ,mississippi1 and          
,nebraska2 and ,whereas most lenders    
will not approve a mortgage unless the  
borrower also purchases insurance3 ,now1
 therefore1 be it ,that the ,senate     
recognizes that climate change and the  
increased risk in frequency and         
intensity of natural disasters are      
driving up insurance costs for home     
owners in the ,united ,states1 and that 
a failure to address climate change will
 make housing even more unaffordable4