"A coalition of big insurance companies, consumer groups, and environmental advocates are urging the United States to overhaul its disaster policies in the face of increasingly extreme weather due to human-caused climate change.

According to a report released Tuesday by the SmarterSafer coalition, the U.S. needs to increase how much it spends on pre-disaster mitigation efforts and infrastructure protection. That way, it asserts, the U.S. can stop wasting so much money on cleaning up after a disaster happens.

'Our current natural disaster policy framework focuses heavily on responding to disasters, rather than putting protective measures in place to reduce our vulnerability and limit a disaster’s impact,' the report reads. 'This needlessly exposes Americans to greater risks to life and property and results in much higher costs to the federal government.'

The SmarterSafer coalition is made up of more than 30 different groups, including some of the biggest insurance companies in the world: Allianz, Liberty Mutual, SwissRe, and USAA, to name a few. Adequately dealing with the risks of climate change is inherently important to the insurance industry, as failure to prepare can lead to increased costs for insurance companies when storms wipe out basements and take out walls."

Emily Atkin reports for Climate Progress April 21, 2015. [2]