berretta,
The free market message from asset insurance premiums is unambiguous.
Premiums are rising because risk is rising. Risk is rising because we are getting more frequent extreme weather events worldwide. This is exactly what AGW models predict.
http://www.climatebites.org/climate-communication-metaphors-and-soundbites/the-consequences-are-bad/extreme-weather/rates-going-up-insurance-companies-dont-care-if-you-believe-agw-or-not
