The Obama Administration’s latest move to battle climate change — new Environmental Protection Agency rules designed to cut power plant emissions by 30 percent — will likely set off a Republican response not unlike their response to the Affordable Care Act. We can expect lies, delays and lawsuits from Republicans and their Big Coal corporate backers to block the EPA rules. However, while many Republicans have the luxury of being climate change deniers to score political points, insurance companies and state and local officials do not have this luxury. Even insurance companies run by Republicans, and Republican state and local officials, will have to deal with the actual effects of climate change, such as an increase in claims by homeowners and business owners for damage related to rising sea levels, storm surges and fires, increased health care claims, and state and local budgets depleted by disaster response and rebuilding. That’s why it will be important to watch what these insurance company executives and public officials do.