Stefany Moreno Burbano

Insurance is a pillar of contemporary financial systems: lenders typically require coverage to secure mortgages, and firms rely on insurance for risk management that protects not only asset values but also income streams. In a world with intensifying climate hazards, property insurance has become critical for both residential and commercial real estate, providing liquidity and

Removing regulations doesn’t reduce climate risks Rolling back climate regulations doesn’t remove climate risk. It makes it harder to measure and manage. Recent U.S. policy shifts create uncertainty for real estate investors, undermining incentives, transparency, and long-term planning. Short-term relief may come at the cost of greater future exposure. Stefany Moreno Burbano, PhD Candidate in