There in lies the beauty of Climate Change Insurance. If the stipulations are 1) Average Global temperature has to increase by 2 degrees F and 2) Claimant must prove loss is directly associated with said 2 degree average global temperature increase.....
You could collect premiums until you die and be assured to never have to pay out. Only liberals would buy this policy. Moohahaaaa!
I kind of like it. But liberals will insist that other people pay the premiums.