"The Farmers Insurance Company is suing 98 Illinois towns, Cook County, and the Metropolitan Water Reclamation District of Greater Chicago, asserting they were insufficiently prepared to deal with the effects of global warming that allegedly caused heavy rains and flooding in those areas last spring, damaging property, which led to expensive claims against the company"
At first glance, this seems pretty silly, but it appears that the entities involved may have hobbled themselves:
"Cook County, the City of Chicago, and other municipalities had “adopted the scientific principle that climate change has caused increases in rainfall amount” and to help address the problem had adopted the Chicago Climate Action Plan."
Seems like they have only themselves to blame.
One thing I'd like to know is why Farmers waited so long to take action. Here's what I mean:
Carriers do periodic inspections of properties they insure, and notify clients of any deficiencies. For example, it may be a roof badly in need of repair: the carrier may require the insured to have it fixed or the policy will be cancelled. So if Farmers knew about the Change Plan (which they obviously did), then were they actively following up to see if it was being implemented and, if not, why not?