Have you noticed how the whole game of homeowners insurance seems to be changing lately and faster than ever? It's like we're all caught in this whirlwind (bad pun) of rising costs and unpredictable disasters , and it's hitting homeowners harder than ever before. Let's dive into what's going on. Natural disasters used to be these rare, headline-grabbing events, but now, it feels like we can't go a year (or even a couple months) without hearing about some major hurricane, wildfire, flood, or tornado tearing through communities due to climate change. And guess who's left footing the bill? Yep, you guessed it – homeowners like you and me. And we don’t often live in places where these events occur, but we’re still footing the bill , because that’s how the homeowner’s insurance pool works. Here in Washington state, we skew closer to the average for annual homeowners insurance costs, but as the Pacific Northwest temperatures rise, do we face some of the same c...