• Columbia Threadneedle Investments are seeing the consequences of the increasing and rapid growth in global average temperatures. If we accept that climate impacts are real, and will impact our economies, then someone will have to bear the costs.
• The insurance and reinsurance industries are already changing their behaviour in terms of pricing and offer, with government-backed insurers sometimes having to step in.
• Big property owners are increasingly investing in climate risk modelling and in-house climate expertise to limit their exposure, but smaller players are less able to do this.
• Could we end up in a scenario where individuals and smaller commercial owners of property end up holding the riskiest assets, and what might this mean for lenders, governments and investors?

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