In a podcast episode, Jeff Kleid, the founder of Victoria Insurance, talks about climate change and how it affects insurance. He believes that it's real and here to stay but doesn't get caught up in the controversy surrounding it. Kleid emphasizes that insurance policies need to evolve and become more creative to adapt to climate changes. However, he also points out that it's difficult to know if individuals or businesses are properly covered, as insurance policies are changing and evolving. Kleid also discusses different types of natural disasters, such as hurricanes in Florida and wildfires in California, and how they affect insurance coverage.