Across the United States, more frequent extreme weather is starting to cause the home insurance market to buckle, even for those who have paid their premiums dutifully year after year.Christopher Flavelle, a climate reporter, discusses a Times investigation into one of the most consequential effects of the changes.Guest: Christopher Flavelle, a climate change reporter for The New York Times.Background reading: As American insurers bleed cash from climate shocks, homeowners lose.See how the home insurance crunch affects the market in each state.Here are four takeaways from The Times’s investigation.For more information on today’s episode, visit nytimes.com/thedaily. Transcripts of each episode will be made available by the next workday.