How a perfect storm sent church insurance rates skyrocketing

An upended tree rests on Bethel Church after Hurricane Beryl moved through the area, July 8, in Van Vleck, Texas. (AP Photo/Eric Gay)
John Parks was taking his first sabbatical in 40 years of ministry when he got a call from his church’s accountant with some bad news.
Church Mutual, the church’s insurance company, had dropped them.
“This does not make sense,” Parks, the pastor of Ashford Community Church in Houston, recalls thinking at the time. “We’ve never filed a claim.”