The younger generations are drinking less. They're socializing less. Everybody can afford a 75 inch TV in the dorm room now, they don't need to go out and go to a social hangout to watch the football game, and things are getting more expensive.
Insurance is the climate crisis canary in the coal mine, and the canary is dying. Severe-weather events are more common and extreme because we're not doing enough, fast enough, to transition from fossil fuels and other greenhouse gas-emitting industries.