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’m head of product at a home insurance company focused on using climate science & AI to predict wildfire risk. Yes, construction costs make rates higher, but that’s insignificant next to the impact of climate-related perils causing carriers to permanently leave entire vast markets with no coverage.