The UN Intergovernmental Panel on Climate Change says that humanity has about 12 years to course correct to avoid the worst climate outcomes from happening. In the meantime, consumers will continue to feel the worsening effects of severe weather events. What's being done to protect consumers? What can they do to protect themselves? And what role can brokers play in minimizing losses? insid e: WORKING TOWARD RESILIENCE KEEPING THE CATS AWAY THE BIG IF GETTING HOMEOWNERS TO ACT BEFORE THE FLOOD WEATHER GONE WILD IN ONTARIO CLIMATE CHANGES BEST PRACTICES WWW.IBAO.ORG 11 JUNE 2019http://WWW.IBAO.ORG