Rick McCathron, CEO of Hippo, considered how the firm's underwriting model could account for the effects of climate change. Along with providing smart home packages, targeting risk-friendly customers, and using data-driven pricing, the Insurtech used technologically empowered services to create its competitive edge. Given the rise of high-intensity weather events, however, the firm was grappling with major loss ratios and rate hikes. Could Hippo survive a new era of unprecedented weather catastrophes? What should Hippo's optimal strategy be, in terms of achieving underwriting profit?