San Francisco Chronicle: While Congress is still mired in climate-change denial, insurance companies have no doubt about climate change. For them, the only question is: Who pays for its effects? The answer to that question is increasingly obvious: We all will. Farmers Insurance filed nine class-action suits in April against dozens of cities in the Chicago area for failing to prepare for the floods that left some neighborhoods navigable only by rowboat last year. Last Tuesday, the company withdrew the lawsuits, suggesting...