This seems based on outdated science to me. The world isn't just "getting hotter", the overall climate is changing due solely to human influence. The article makes it sound like insurers believe houses will start spontaneously combusting. What they should really worry about is desertification in populated areas and flooding along the coasts, and the inevitable humanitarian crisis and necessary social restructuring that those will require. We can't leave this to insurers - we need strong cooperation between governments and academia to plot a better course into our brave new world.