"Insurance is one way to protect something of value. Oh you such as a car or a home and now businesses in Cancun. Mexico have insured at Coral Reef. The Coral Reef actually reduces the risk of storm impact impact on the hotels and resorts in Cancun Dave Jones's with the nature conservancy and is the former insurance commissioner of California. He says a healthy coral reef can reduce ninety seven percent of a wave's energy as it barrels toward land so having a healthy coral reef makes a big difference in terms of whether the Hurricane Peter Storm is GonNa Destroy Your community or not but a reef can also be damaged by a strong storm which puts communities at greater risk in the future so in the Mexican the state of King Tana row coastal property owners pay a fee that helps fund and insurance policy for the nearby reef and beaches with a storm of a certain magnitude hits. The policy pays out the money will be used by local residents trained to remove debris that could cause further damage reattach coral pizzas and set up nurseries where corals else can regrow. Jones says. It's a way to pay for the restoration of an ecosystem that can in turn. Protect people. From the intensifying effects of global warming"