What is the Techno-Capital optimist take on this?

What is the Techno-Capital optimist take on this?

https://www.nytimes.com/2024/05/15/podcasts/the-daily/climate-insurance.html?smid=nytcore-ios-share&referringSource=articleShare

The rise in rates isn't about increased extreme weather. It's due to increased construction and repair costs. Insurance plans have gotten more expensive because the materials and labor are much more expensive. The techno optimist take is we need to lower the supply side cost.

I recommend you suggest this theory to an insurance co risk adjuster to see what they think of it. 😉