‘Shared Data,’ a short story from an alternate future(3)

“Oh no you don’t,” Toba answered. “We’ve got the same thing here, only it’s wildfire season. And earthquakes year-round.”
Genevieve clucked sympathetically. “Then you know what I’m talking about with the insurance stress.” Because of increasing volatility in weather patterns — or maybe just because they wanted to, Genevieve thought, but the former was what all the mailings said — insurance policies no longer covered more than a season. (Unless you were really, really rich. And then you had someone to manage it for you anyway.) Every year the terms changed; every year Genevieve had to wade through the piles of offers, each couched in different parameters and with different exceptions and technicalities and terminology.