Clip cites a study linking rising homeowners insurance rates to climate and construction costs

A reporter said a new, unnamed study found homeowners insurance rates are rising across the country and listed climate change, the rising cost of building materials and surging home prices as the primary drivers.

The clip does not identify the study's author, timeframe, or the data behind the conclusions. Because the source is not provided, the magnitudes and regional distribution of insurance-rate increases cannot be confirmed from the recording alone.

Insurance markets can be affected by extreme-weather losses, construction-cost inflation and housing-price increases; the segment groups those causes together but offers no supporting data or jurisdictional detail in the audio.

No insurer, regulator or study author response appears in the clip.