Quote Originally Posted by RandBlade View Post
Climate change probably is occuring but every bad winter or good summer or anything other than the mean is not climate change. Its just the climate.
Sure, but a trend in the weather (over multiple years/decades) is - so if statistically significantly more storms occur, that can be related to climate change. It's not proof an sich, but climate change can cause storms to occur more frequently.
If its once per 250 years you shouldn't struggle to get insurance on that.
On the contrary, large environmental disasters are (like terrorist attacks) excluded from most policies. In fact, a quick google tells me that between 1953 and 2012 it was completely impossible to insure against that.