Maryland's insurance commissioner warns of enduring climate risks in underwriting coverage – WDVM25 & DCW50 | Washington, DCInsurance is something that everybody needs, and the weather is an increasing factor when it comes to paying our premiums. Maryland’s top insurance regulator was in Hagerstown to start the week, meeting with small business leaders about their protection.

Storms, hurricanes, tornadoes, flooding and forest fires seem to be in the news constantly. WDVM-TV 25 meteorologist Scott Sumner has an explanation.

“Climate change is due more to natural patterns and mother nature than man,” Sumner said. “Now I think there’s a combination of both.”

It is starting to affect our standard of living.

“As weather changes and weather patterns change, losses can occur, and so it’s important that people pay attention to those patterns,” said Kathleen Birrane, Maryland State Insurance Commissioner.

Commissioner Birrane regulates Maryland’s insurance market, working with the legislature on consumer protection. She is the watchdog protecting policy-holders so they are covered by solvent, reliable carriers.