Who Will Pay for Climate Change?

If a tree falls on your house, your insurance company should cover that, right?  Well yes, except if the tree was dead, and leaning over your house for years and the insurance company told you to address it.  Then you would likely get nothing.  Well insurance companies are playing that game with climate change or at least they are trying, telling governments, “You should have seen this coming, this was a foreseeable risk.”  Wow!  Is this good or bad, we just don’t know.  Will it jolt governments into action? Or will governments prevail in these court cases and continue foot dragging for years?  Marketplace story by Dan Weisssman