We don’t have ten years to disaster, the disaster is here now. The floods, the fires, the famine, the increase in temperature, the loss of life in cities all over the world due to air pollution etc etc etc etc.
Have to agree, and going forward, if in a few years fires, floods etc are even more the norm, then insurance simply will not be able to cover the losses, vast swathes of land will be uninhabitable due to flood and others due to extreme heat. Then it will be too late, probably already is.