Daniel Schwarcz, ‘Collective Coverage: How Group Homeowners Insurance Could Promote Climate Adaptation and Resilience’, Washington University Law Review (forthcoming 2027). Don’t let the title of the Schwarcz paper dull your curiosity! Long and technical, with the sedating word ‘insurance’. Well, if you survived such charmless (but perfectly informative) invitation, you are up for a treat. You will learn how a minor but creative tweak in a legal rule governing contracts would yield a major breakthrough in climate preparedness. The contracts are homeowners insurance policies. The question is whether they can create incentives for construction and upkeep of homes resilient to climate disasters such as hurricanes, floods, and wildfires. Obviously, the stakes are colossal … (more)
[Omri Ben-Shahar, JOTWELL, 15 July 2026]
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