,,iii  #aai? ,,congress  #a/ ,session   
,s4 ,,res4 #eed  ,,9 ,,! ,,s5ate ,,( ,,!
 ,,unit$ ,,/ates  ,decemb] #ag1         
#bjbe,mr4 ,:iteh\se 7= himself1 ,mr4    
,m]kley1 ,mr4 ,s*atz1 ,mr4 ,m>key1 ,mr4 
,van ,holl51 ,ms4 ,duckwor?1 ,ms4 ,smi?1
 ,mr4 ,padilla1 ,mr4 ,wel*1 & ,ms4      
,blunt ,ro*e/]7 submitt$ ! foll[+       
resolution2 :i* 0 ref]r$ to ! ,committee
 on ,bank+1 ,h\s+1 & ,urban ,affairs    
,,resolution  ,recogniz+ ! /rong l9k    
betwe5 climate *ange & skyrocket+       
insurance premiums4  ,:]eas1 at ! "t ( !
 introduction ( ?is resolution1 insur$  
losses f natural disa/]s 9 ! ,unit$     
,/ates exce$ #ajj1jjj1jjj1jjj annually1 
up f #h1djj1jjj1jjj 9 #bjjj1 an increase
 ( #ajjj p]c5t2 ,:]eas1 f #bjac to      
#bjbb1 insurance co/s m ?an d\bl$1 & by 
#bjbb1 ^! co/s acc\nt$ = m ?an #bj p]c5t
 ( mortgage paym5ts2 ,:]eas insurance   
premiums h increas$ #dj p]c5t fa/] ?an  
inflation2 ,:]eas premiums are project$ 
to increase ano!r #h p]c5t 9 #bjbe1     
rea*+ a national av]age ( m ?an #c1ejj  

annually2 ,:]eas annual premiums 9 #bjbd
 av]ag$ m ?an #ad1jjj 9 ,florida1 almo/ 
#aa1jjj 9 ,l\isiana1 almo/ #h1jjj 9     
,oklahoma1 #f1jjj 9 ,texas & ,colorado1 
& ar\nd #e1jjj 9 ,alabama1 ,mississippi1
 & ,nebraska2 & ,:]eas mo/ l5d]s w n    
approve a mortgage unless ! borr[] also 
pur*ases insurance3 ,n[1 !re=e1 be x ,t 
! ,s5ate recognizes t climate *ange & ! 
increas$ risk 9 frequ5cy & int5sity (   
natural disa/]s are driv+ up insurance  
co/s = home own]s 9 ! ,unit$ ,/ates1 & t
 a failure to address climate *ange w   
make h\s+ ev5 m unaf=dable4