Tell us: have you been affected by the US insurance crisis?

We want to hear from people across the US who have been affected by the volatility of the home insurance market

We know the industry is in an enormous state of flux amid the climate crisis and increasingly severe wildfires, floods, hurricanes and other natural disasters. Companies have been raising premiums, cancelling or refusing to issue policies, and pulling out of entire markets. The Guardian US has reported on the crippling effects for homeowners in Florida, California, Louisiana and beyond.

We want to hear from people from all parts of the country caught up in this. Have you lost your policy, and what did you do? Has the cost of insurance influenced where you chose to live or your decision to buy a home? Have you been forced to recover from a natural disaster without insurance? Tell us your story.