All I know is that the ocean are warmer. Which can only leads to more hurricanes.That really sucks bro, but I have yet to hear a good explanation why from 2007 to 2015 no category 3 or higher hurricane hit Florida, when all the global warming faithers told us hurricanes would increase in size and frequency. That didnt happen within that time frame, even though the "experts" claimed earth kept getting hotter
I have been going to all over the caribbean since 1995 (mexico, barbados, republican dominica, cuba, guadeloupe, martinique, jamaica, aruba...) and only since 2017 I noticed the heavy presence of Sargassum seaweeds. It's now really bad. I mean I saw up to a foot of weeds on the beach that took 2-3 days to get rid of.
Those seaweeds are present in a 400-kilometer square above Brazil and were a natural ocean filter. Deforestation in Brazil, combined with warmer water, made those weeds detach. As simple as that.
This is a combination of climate change (which happens whatever we humans do) combined with human impact (deforestation and use of chemicals)...
We human are accelerating climate change and we now need to be ready to make choices that will impact our lives.
Anyhow you can be sure the insurer will make the impact for us if we don't...