OPINION: Insurance becoming expensive?

THERE'S no doubt that everybody loves a Queenslander.

I don't mean Johnathan Thurston, but the grand old Queensland houses with their high ceilings, wide verandas and tin roofs.

I have been lucky enough to live in several of them over the past few decades and have loved the experience.

However, that love affair began to cool a few years ago when our annual insurance premium arrived and price nearly doubled.

The shock was repeated a year later, even though we had trimmed back on all our extras.

Climate change is impacting on the family budgets of many people in Queensland right now through increased home insurance and that's especially true if you live in an older home.

Homes built prior to 1980 did not have to be built to withstand intense winds exceeding 200kmh so the insurance industry considers them a high risk and they charge higher premiums.

The same is true if your house is built in a low lying coastal area that could be inundated by storm surge, if you can find a company willing to insure you.

After Cyclone Yasi devastated North Queensland in 2011 and Brisbane was impacted by floods, the insurance industry faced huge payouts, totalling nearly $4 billion.

Ninety-seven per cent of climate scientist agree increasing carbon dioxide emissions from burning fossil fuels such as coal and from land clearing are driving global climate change.

The insurance industry has identified that it is at risk from cyclones becoming more intense as atmospheric and oceanic temperature increases.

I think it was Mark Twain who said that everybody talks about the weather but nobody does anything about it.

In fact, we can all do something about weather by supporting measures that will reduce carbon emissions such installing rooftop solar hot water and power and supporting action to prevent further climate change.

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