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Reported Speech Questions

Questions With Question Words

Yes/no questions (with helping verb).

Reported Speech: Rules, Examples, Exceptions

👉 Quiz 1 / Quiz 2

Advanced Grammar Course

What is reported speech?

“Reported speech” is when we talk about what somebody else said – for example:

• Direct Speech: “I’ve been to London three times.”
• Reported Speech: She said she’d been to London three times.

There are a lot of tricky little details to remember, but don’t worry, I’ll explain them and we’ll see lots of examples. The lesson will have three parts – we’ll start by looking at statements in reported speech, and then we’ll learn about some exceptions to the rules, and finally we’ll cover reported questions, requests, and commands.

So much of English grammar – like this topic, reported speech – can be confusing, hard to understand, and even harder to use correctly. I can help you learn grammar easily and use it confidently inside my Advanced English Grammar Course.

In this course, I will make even the most difficult parts of English grammar clear to you – and there are lots of opportunities for you to practice!

Backshift of Verb Tenses in Reported Speech

When we use reported speech, we often change the verb tense backwards in time. This can be called “backshift.”

Here are some examples in different verb tenses:

Reported Speech (Part 1) Quiz

Exceptions to backshift in reported speech.

Now that you know some of the reported speech rules about backshift, let’s learn some exceptions.

There are two situations in which we do NOT need to change the verb tense.

No backshift needed when the situation is still true

For example, if someone says “I have three children” (direct speech) then we would say “He said he has three children” because the situation continues to be true.

If I tell you “I live in the United States” (direct speech) then you could tell someone else “She said she lives in the United States” (that’s reported speech) because it is still true.

When the situation is still true, then we don’t need to backshift the verb.

He said he HAS three children

But when the situation is NOT still true, then we DO need to backshift the verb.

Imagine your friend says, “I have a headache.”

• If you immediately go and talk to another friend, you could say, “She said she has a headache,” because the situation is still true
• If you’re talking about that conversation a month after it happened, then you would say, “She said she had a headache,” because it’s no longer true.

No backshift needed when the situation is still in the future

We also don’t need to backshift to the verb when somebody said something about the future, and the event is still in the future.

Here’s an example:

• On Monday, my friend said, “I ‘ll call you on Friday .”
• “She said she ‘ll call me on Friday”, because Friday is still in the future from now.
• It is also possible to say, “She said she ‘d (she would) call me on Friday.”
• Both of them are correct, so the backshift in this case is optional.

Let’s look at a different situation:

• On Monday, my friend said, “I ‘ll call you on Tuesday .”
• “She said she ‘d  call me on Tuesday.” I must backshift because the event is NOT still in the future.

Review: Reported Speech, Backshift, & Exceptions

Quick review:

• Normally in reported speech we backshift the verb, we put it in a verb tense that’s a little bit further in the past.
• when the situation is still true
• when the situation is still in the future

Reported Requests, Orders, and Questions

Those were the rules for reported statements, just regular sentences.

What about reported speech for questions, requests, and orders?

For reported requests, we use “asked (someone) to do something”:

• “Please make a copy of this report.” (direct speech)
• She asked me to make a copy of the report. (reported speech)

For reported orders, we use “told (someone) to do something:”

• “Go to the bank.” (direct speech)
• “He told me to go to the bank.” (reported speech)

The main verb stays in the infinitive with “to”:

• She asked me to make a copy of the report. She asked me  make  a copy of the report.
• He told me to go to the bank. He told me  go  to the bank.

For yes/no questions, we use “asked if” and “wanted to know if” in reported speech.

• “Are you coming to the party?” (direct)
• He asked if I was coming to the party. (reported)
• “Did you turn off the TV?” (direct)
• She wanted to know if I had turned off the TV.” (reported)

The main verb changes and back shifts according to the rules and exceptions we learned earlier.

Notice that we don’t use do/does/did in the reported question:

• She wanted to know did I turn off the TV.
• She wanted to know if I had turned off the TV.

For other questions that are not yes/no questions, we use asked/wanted to know (without “if”):

• “When was the company founded?” (direct)
• She asked when the company was founded.” (reported)
• “What kind of car do you drive?” (direct)
• He wanted to know what kind of car I drive. (reported)

Again, notice that we don’t use do/does/did in reported questions:

• “Where does he work?”
• She wanted to know  where does he work.
• She wanted to know where he works.

Also, in questions with the verb “to be,” the word order changes in the reported question:

• “Where were you born?” ([to be] + subject)
• He asked where I was born. (subject + [to be])
• He asked where was I born.

Reported Speech (Part 2) Quiz

Learn more about reported speech:

• Reported speech: Perfect English Grammar
• Reported speech: BJYU’s

If you want to take your English grammar to the next level, then my Advanced English Grammar Course is for you! It will help you master the details of the English language, with clear explanations of essential grammar topics, and lots of practice. I hope to see you inside!

I’ve got one last little exercise for you, and that is to write sentences using reported speech. Think about a conversation you’ve had in the past, and write about it – let’s see you put this into practice right away.

Master the details of English grammar:

More Espresso English Lessons:

About the author.

Shayna Oliveira

Shayna Oliveira is the founder of Espresso English, where you can improve your English fast - even if you don’t have much time to study. Millions of students are learning English from her clear, friendly, and practical lessons! Shayna is a CELTA-certified teacher with 10+ years of experience helping English learners become more fluent in her English courses.

Reported speech - 1

Reported speech - 2

Reported speech - 3

Worksheets - handouts

Reported speech

Worksheets - pdf exercises.

• Reported statements - worksheet
• Worksheet - reported questions
• Reported yes/no questions
• Worksheet - reported speech
• Reported speech - exercises pdf
• Indirect speech - exercises
• Reported speech - exercises
• Mixed reported speech 1
• Mixed reported speech 2
• Reported speech 1 
• Reported speech 2  
• Reported speech 3 
• Reported speech 4
• Reported speech 5
• Reported wh- questions
• Reported speech - worksheet 
• Reported commands
• Reported questions
• Reported speech 1
• Reported speech 2
• Reported requests and orders
• Reported speech exercise
• Reported questions - worksheet
• Indirect speech - worksheet
• Worksheets pdf - print
• Grammar worksheets - handouts

Grammar - lessons

• Reported speech - grammar notes
• How to use reported speech - lesson
• Tense changes - grammar

Indirect Questions

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English EFL

Reported speech

Reported questions

Reported questions.

When we report what people say, we usually change the tense of the verbs to reflect that we are reporting – not giving direct speech. This pattern is followed when we report questions and there are also other important changes between direct questions and reported questions.

Reported questions are one form of reported speech.

We usually introduce reported questions with the verb "ask":

• He  asked  (me)  if / whether ... (YES/NO questions)
• He  asked  (me)  why / when / where / what / how ... (question-word questions)

As with reported statements, we may need to change  pronouns  and  tense (backshift) as well as  time  and  place  in reported questions.

But we also need to change the  word order . After we report a question, it is no longer a question (and in writing there is no question mark). The word order is like that of a normal statement (subject-verb-object).

Reported YES/NO questions

We introduce reported YES/NO questions with  ask + if :

Note that in the above example the reported question has no auxiliary "do". But there is pronoun change and backshift.

Note that we sometimes use "whether" instead of "if". The meaning is the same. "Whether" is a little more formal and more usual in writing:

• They asked us  if  we wanted lunch.
• They asked us  whether  we wanted lunch.

Reported question-word questions

We introduce reported question-word questions with  ask + question word :

Remember that there are basically three types of question:

• YES/NO questions:  Do you want tea?
• Question Word questions:  Where did you drink tea?
• Choice questions:  Do you prefer tea or coffee?

Reported choice questions  have the same structure as Reported YES/NO questions. Questions with the verb BE always have a different structure:  Was the tea cold? Where is my tea?  You can see all these differences in the examples below.

Look at these example sentences:

Course Curriculum

• Direct and indirect speech 15 mins
• Tense changes in reported speech 20 mins
• Changing time and place in reported speech 20 mins
• Reported questions 20 mins
• Reporting verbs 20 mins
• Reporting orders and requests 15 mins
• Reporting hopes, intentions and promises 20 mins

• Cambridge Dictionary +Plus

Reported speech: indirect speech

Indirect speech focuses more on the content of what someone said rather than their exact words. In indirect speech , the structure of the reported clause depends on whether the speaker is reporting a statement, a question or a command.

Indirect speech: reporting statements

Indirect reports of statements consist of a reporting clause and a that -clause. We often omit that , especially in informal situations:

The pilot commented that the weather had been extremely bad as the plane came in to land. (The pilot’s words were: ‘The weather was extremely bad as the plane came in to land.’ )

I told my wife I didn’t want a party on my 50th birthday. ( that -clause without that ) (or I told my wife that I didn’t want a party on my 50th birthday .)

Indirect speech: reporting questions

Reporting yes-no questions and alternative questions.

Indirect reports of yes-no questions and questions with or consist of a reporting clause and a reported clause introduced by if or whether . If is more common than whether . The reported clause is in statement form (subject + verb), not question form:

She asked if [S] [V] I was Scottish. (original yes-no question: ‘Are you Scottish?’ )

The waiter asked whether [S] we [V] wanted a table near the window. (original yes-no question: ‘Do you want a table near the window? )

He asked me if [S] [V] I had come by train or by bus. (original alternative question: ‘Did you come by train or by bus?’ )

Questions: yes-no questions ( Are you feeling cold? )

Reporting wh -questions

Indirect reports of wh -questions consist of a reporting clause, and a reported clause beginning with a wh -word ( who, what, when, where, why, how ). We don’t use a question mark:

He asked me what I wanted.

Not: He asked me what I wanted?

The reported clause is in statement form (subject + verb), not question form:

She wanted to know who [S] we [V] had invited to the party.

Not: … who had we invited …

Who , whom and what

In indirect questions with who, whom and what , the wh- word may be the subject or the object of the reported clause:

I asked them who came to meet them at the airport. ( who is the subject of came ; original question: ‘Who came to meet you at the airport?’ )

He wondered what the repairs would cost. ( what is the object of cost ; original question: ‘What will the repairs cost?’ )

She asked us what [S] we [V] were doing . (original question: ‘What are you doing?’ )

Not: She asked us what were we doing?

When , where , why and how

We also use statement word order (subject + verb) with when , where, why and how :

I asked her when [S] it [V] had happened (original question: ‘When did it happen?’ ).

Not: I asked her when had it happened?

I asked her where [S] the bus station [V] was . (original question: ‘Where is the bus station?’ )

Not: I asked her where was the bus station?

The teacher asked them how [S] they [V] wanted to do the activity . (original question: ‘How do you want to do the activity?’ )

Not: The teacher asked them how did they want to do the activity?

Questions: wh- questions

Indirect speech: reporting commands

Indirect reports of commands consist of a reporting clause, and a reported clause beginning with a to -infinitive:

The General ordered the troops to advance . (original command: ‘Advance!’ )

The chairperson told him to sit down and to stop interrupting . (original command: ‘Sit down and stop interrupting!’ )

We also use a to -infinitive clause in indirect reports with other verbs that mean wanting or getting people to do something, for example, advise, encourage, warn :

They advised me to wait till the following day. (original statement: ‘You should wait till the following day.’ )

The guard warned us not to enter the area. (original statement: ‘You must not enter the area.’ )

Verbs followed by a to -infinitive

Indirect speech: present simple reporting verb

We can use the reporting verb in the present simple in indirect speech if the original words are still true or relevant at the time of reporting, or if the report is of something someone often says or repeats:

Sheila says they’re closing the motorway tomorrow for repairs.

Henry tells me he’s thinking of getting married next year.

Rupert says dogs shouldn’t be allowed on the beach. (Rupert probably often repeats this statement.)

Newspaper headlines

We often use the present simple in newspaper headlines. It makes the reported speech more dramatic:

JUDGE TELLS REPORTER TO LEAVE COURTROOM

PRIME MINISTER SAYS FAMILIES ARE TOP PRIORITY IN TAX REFORM

Present simple ( I work )

Reported speech

Reported speech: direct speech

Indirect speech: past continuous reporting verb

In indirect speech, we can use the past continuous form of the reporting verb (usually say or tell ). This happens mostly in conversation, when the speaker wants to focus on the content of the report, usually because it is interesting news or important information, or because it is a new topic in the conversation:

Rory was telling me the big cinema in James Street is going to close down. Is that true?

Alex was saying that book sales have gone up a lot this year thanks to the Internet.

‘Backshift’ refers to the changes we make to the original verbs in indirect speech because time has passed between the moment of speaking and the time of the report.

In these examples, the present ( am ) has become the past ( was ), the future ( will ) has become the future-in-the-past ( would ) and the past ( happened ) has become the past perfect ( had happened ). The tenses have ‘shifted’ or ‘moved back’ in time.

The past perfect does not shift back; it stays the same:

Modal verbs

Some, but not all, modal verbs ‘shift back’ in time and change in indirect speech.

We can use a perfect form with have + - ed form after modal verbs, especially where the report looks back to a hypothetical event in the past:

He said the noise might have been the postman delivering letters. (original statement: ‘The noise might be the postman delivering letters.’ )

He said he would have helped us if we’d needed a volunteer. (original statement: ‘I’ll help you if you need a volunteer’ or ‘I’d help you if you needed a volunteer.’ )

Used to and ought to do not change in indirect speech:

She said she used to live in Oxford. (original statement: ‘I used to live in Oxford.’ )

The guard warned us that we ought to leave immediately. (original statement: ‘You ought to leave immediately.’ )

No backshift

We don’t need to change the tense in indirect speech if what a person said is still true or relevant or has not happened yet. This often happens when someone talks about the future, or when someone uses the present simple, present continuous or present perfect in their original words:

He told me his brother works for an Italian company. (It is still true that his brother works for an Italian company.)

She said she ’s getting married next year. (For the speakers, the time at the moment of speaking is ‘this year’.)

He said he ’s finished painting the door. (He probably said it just a short time ago.)

She promised she ’ll help us. (The promise applies to the future.)

Indirect speech: changes to pronouns

Changes to personal pronouns in indirect reports depend on whether the person reporting the speech and the person(s) who said the original words are the same or different.

Indirect speech: changes to adverbs and demonstratives

We often change demonstratives ( this, that ) and adverbs of time and place ( now, here, today , etc.) because indirect speech happens at a later time than the original speech, and perhaps in a different place.

Typical changes to demonstratives, adverbs and adverbial expressions

Indirect speech: typical errors.

The word order in indirect reports of wh- questions is the same as statement word order (subject + verb), not question word order:

She always asks me where [S] [V] I am going .

Not: She always asks me where am I going .

We don’t use a question mark when reporting wh- questions:

I asked him what he was doing.

Not: I asked him what he was doing?

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Reported Speech: Dialogue Writing Practice Questions CBSE Class 10 Grammar

• Post last modified: 25 February 2024
• Post category: Grammar Exercises / School Grammar

Reporting the narration is done two ways – Direct or Indirect. The CBSE Class 10 Gramar syllabus includes this reporting in dialogue forms. After that an exercise with blanks to be filled to transform the whole conversation in indirect form. Here are given practice exercises to help practice Dialogue reporting.

Click here for more such grammar study materials

Dialogue Reporting Practice Questions

Q. read the conversation between a teacher and student and complete the passage that follows. (cbse set 2, 2022) .

Neha: I’m really looking forward to the class picnic tomorrow. Namita: Yes, after a long time we will be meeting our friends and teachers.

Neha told Namita (1) ______________ looking forward to the class picnic _____________. Namita agreed that after a long time (2) ______________ friends and teachers.

(1) that she was really, the next day (2) they would be meeting their

Q. Read the conversation and complete the passage that follows: (OD 2022)

Ritika: Can I borrow your Math book for a couple of days? Mohit: Yes certainly, I have already studied for the test tomorrow. Ritika asked Mohit (1) ……………. for a couple of days. Mohit agreed and said that (2) ……………. .

(1) if she could borrow his Math book (2) he had already studied for the test the next day.

Q. Read the conversation between a teacher and student and complete the passage that follows. (Term 2 SQP 2021-22) 

Biology Teacher: I instructed you to draw the diagram of bacteria. Why did you submit a blank sheet?   Sameer: Sir, I had drawn the diagram of bacteria, but you can’t see it because it is not visible to the naked eye 

The biology teacher had instructed Sameer to draw the diagram of a bacterial cell and asked him (a) ……..… a blank sheet. Sameer respectfully answered that he had drawn the diagram but (b) …….…. to the naked eye. 

(a) why he had submitted (b) he/ the teacher couldn’t see it because it is not visible

Q. Read the following dialogue between a mother and her son. Complete the paragraph that follows by filling in the gaps appropriately. (2012)

Marie: Did you see my new umbrella? Isn’t it fine? Tony: Yes, it is! Did you buy it from the mall? Marie: No, your father has brought it for me.

Marie asked her son Tony (a) …………… and she wanted to know whether it was a fine one. Tony agreed and asked his mother (b) …………… His mother replied in the negative and added that (c) ……………

(a) if he had seen her new umbrella (b) if she had bought it from the mall (c) his father had brought it for her.

Note: A sentence in Simple Past (verb 2nd form or Did + Verb 1st form) need not always be converted to Past Perfect (had + Verb 3rd form) . But it is safe to convert to Past Perfect as others (evaluators) may not be knowing it. Even CBSE marking schemes seem to follow the safe rule i.e. Changing Past Tense to past Perfect tense. An example is given below.

Direct: He said, “I saw the thief myself.”

Indirect: he said that he had seen the thief himself. (The safe rule to follow) OR He said that he saw the thief himself. (It is also correct – but mostly not followed)

Q. Read the following dialogue between Garima and Karan. Complete the paragraph that follows by filling in the gaps appropriately. [AI 2011]

Garima: So, after a decade in the industry, are you truly ‘satisfied’? Karan: I love the film industry. It has its flaws though. Garima: What do you mean by this statement? Karan: We are a bunch of competitive, ambitious, sometimes petty people. But the passion cements us together.

Garima asked Karan if after a decade in the industry (a) _________. Karan told her (b) _________ although it had its flaws. Garima then enquired (c) _________. Karan explained that they were a bunch of competitive, ambitious, sometimes petty people but the passion cemented them together.

(a) he was truly ‘satisfied’ (b) that he loved the film industry (c) what he meant by that statement

Q. Choose the correct options to fill in the blanks to complete Venu’s narration. [SQP 2020]

I saw Supanddi standing in the field. When I -(A)- doing there, he -(B)- he was trying to win a Nobel prize. I was confused and enquired how standing in the rice field would help him do so. He stumped me by saying that he -(C)- won Nobel prizes had all been outstanding in their fields!

(A) (a) exclaimed what he was (b) told him what he was (c) asked him what he was (d) says to him about what (B) (a) ordered that (b) refused that (c) questioned that (d) replied that (C) (a) has heard that people who has (b) was hearing that people who were (c) had heard that people who had (d) did hear that people who had

(A) – (c) (B) – (d) (C) – (c)

Q. Choose the correct options to fill in the blanks to complete the narration of Patty’s conversation with Charlie. [SQP 2020]

Charlie: Dear Santa, here is a list if what I want. Patty: How do you suppose Santa Claus can afford to give away all those toys? Charlie: Promotion! Don’t kid yourself……Everything these days is promotion! I will bet if the truth were brought about, you will find that he’s being financed by some big eastern chain!

While making the list of what Charlie wanted from Santa Claus, he asked Patty how …..(A)….. all those toys. She said that …..(B)….. and that it was possible as Santa …..(C)….. big eastern chain.

(A) (a) Santa Claus could afford to give away    (b) will give away (c) gave away (d) giving away

(B) (a) everything these days were promotion (b) everything these days was promotion (c) everything those days was promotion (d) everything these days was going to be promotion

(C) (a) was financing by some big eastern chain (b) had been financed by some big eastern chain (c) was being financed by some big eastern chain (d) will be financed by some big eastern chain

(A) – (a) (B) – (c) (C) – (c)

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Article writing: cbse class 10 english grammar, editing error corrections: practice exercises grammar for school classes cbse/icse/state boards, reported speech: practice exercises in interrogative sentences, gap filling: cloze test exercises english grammar for school classes, this post has 66 comments.

Thank you for question These were excellent and also improved my spech

It’s speech not spech

clapings it is speech

thank you it will help with my exam preparation

Thanks. New questions are also added from time to time.

Thanks a lot for these questions it helped me to be thorough with the exam pattern.

Are you from India:)

thanks for those questions

Why are there so many mistakes in the given questions?The names of the people in the conversation and the names of the people in the related question are completely different.Pls chk and rectify.It is confusing the kids and the purpose of these practice questions is totally defeated.

Thank you for informing us of the mistakes. We have done the required corrections. I hope all is well now.

page 2 question 3 there is a name error plz rectify it as soon as possible to avoid more confusion

Thank you for informing us of the mistake. The required correction has been done- ‘Mohan’ has been replaced by ‘Vinnet’ in the last line of the question.

Please add more questions

In the second question (page 1) , answer to the first part is wrong as Did changes to had + verb’s 3rd form.

Thank you for referring to the issue. We have updated the post and added a ‘note’ section.

Thanks a lot! These were truly of great help! Excellent questions!

It was very helpful ☺️. Thanks ncert tutorials

Really, it was very helpful.

Sir, i wanted to know where “it” is changed to “that” . I have this confusion as there are many questions where it is changed to that..but in many questions there is “it” only.

Sir, In Question no. 4 , please check the answers of option (c) , (f) , (h) why there is “been”

‘Had been’ is used in place ‘was and were’.

Sir, In question 7 (a), How could ‘may’ change into ‘could’?

Thanks for pointing out the error. We have made the required correction.

It was nice to have such a exercise to practice….

Sir, In question 8(d), It should be ‘ she had been talking’ instead of ‘ she has been talking’

The correction done. Thank You Ayush for sparing time to help us clean the exercises out of mistakes.

Why are you using Wrong English ?

Why are you using Wrong English ? Please use correct English to teach. Thank you.

Please give proper reference. I would do required corrections or elaborate upon your issue.

Thank you for this. Please add more. And I think there are some mistakes please do check and correct them. Thanks again🙌

thank you, Elena, and after reports of some errors corrections also have been done. If future reports received, required corrections will be done.

in the fifth page 4th ques there will be what he had been reading as past progressive changes to past perfect progressive

Thank you Sarthak for informing us of the error. Corrections done and the question has also been modified with one more filling gap (d).

thank u for giving a lot of questions this was useful for my class 10 board term 2 exam

thank you so much

Tomorrow is board

Yess all the bestt

I have my english board exam tomorrow, and this helped me a lot

thank you soo much. this site is the only one that consists of grammar questions based on the format of the board exams

it helped me a lot to prepare for my term 2 board exam of english. LOOKING FORWARD TO SCORE 40/40

Best of Luck Aishwarya 👍👍

best of luck to me to plz saaaayyyyy Subscribe to Jonja hi Jonja

Ok, Best of luck to you also 👍👍

Thank you sir , Your questions on reported speech have helped me a lot to study for my exam.

EXCELLENT QUESTIONS!!!!!!!!!!!!!!!!!!!!!!! KEEP IT UP………………..

Sir in question no. 3(b) the past tense of buy should be bought and not brought.Pls make the changes.

Correction done 😊.

I love the lessons for they are smart enough to learn personally.

I would like to show my gratitude …….this website was really good and helpful 👍 and more comfortable

Very nice examples They helped me a lot in my exam preparation

thanks for sharing this information

Questions were very helpful and amazing also… Thanks for such practice question..

Good questions thank you

sir on page 1 Q 2 it should be “for tomorrow’s test” instead of “the test tomorrow”.

Hi Arnav, it is written as ‘for the test tomorrow’ so no problem.

Thanks too much this is awesome for my test this help me more

Thank you admin blog. Very good

Please add longer questions

there some questions with mistakes arun and rohit question pls rectrfy the mistakes thanks it helped me a lot because it was my todays homework i referred and completed it Thank you

We revisited the question mentioned by you but did not find any error. May be you have any doubt. Feel free to ask us about that.

Pls take a look at the first question Isnt ‘will’ supposed to be changed to ‘would’

Correction done

THANKS, IT WAS AWESOME…

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• English Grammar
• Grammar Exercises
• Reported Speech Exercises For Class 10

Reported Speech Exercises with Answers for Class 10

One of the English grammar concepts that almost all of us would have studied in our junior classes is reported speech . Having a clear understanding of reported speech helps students use sentences correctly. This article provides reported speech exercises for class 10 students.

Reported Speech Exercises for Class 10 with Answers

Here is an exercise on the transformation of direct speech to indirect speech. Go through the following sentences, work them out and then check your answers to assess how far you have understood their usage.

Change as directed

Read the following sentences and change them into reported speech.

• Mimi said, “I have been writing this letter.”
• I said, “Sam’s driving the car.”
• My uncle said, “I am cooking lunch.”
• My brother said, “I had already eaten.”
• The old lady said to the girl, “Where do you come from?”
• Jon said, “I like to play rugby.”
• My mother said, “I get up early every morning.”
• The maths teacher said, “Three divided by three is one.”
• Mohit said, “Switzerland is a very beautiful country.”
• Ruben said, “It is very cold outside.”
• The teacher said, “The French Revolution took place in 1789.”
• Uma said, “I saw a Royal Bengal Tiger in the zoo.”
• Luke said, “I can do this homework.”
• Aswini said to her mother, “I have passed the test”.
• Daphne said to Antony, “I will go to London tomorrow.”
• The boy said, “My father is sleeping.”
• The traffic police said to us, “Where are you going?”
• The man shouted, “Let me go.”
• Shivina said, “Alas! I am lost.”
• “I know her contact number,” said Helena.
• Stefen said, “My granny is making pasta.”
• Raj said to Simran, “Have you ever been to the National Museum?”
• Anish said to Sid, “Please lend me the book.”
• The teacher said to the parents, “Shelly is working very hard.”
• Joshua said, “I have completed my assignment.”
• I said to Alka, “How long will you stay here?”
• The child told his dad, “I want an ice cream.”
• Meera said, “I am not feeling well.”
• The teacher said to Vivek, “Draw the diagram of the plant’s parts.”
• Irin said, “I am playing the piano.”
• My mother said to me, “Help me carry this bag.”
• Rahul said, “My sister is very helpful.”
• The news reporter said, “The flight will be delayed by a few hours due to heavy rains.”
• Urmi said to her mother, “I want a slice of pizza.”
• I said to Daniel, “Are you reading this book?”
• Mimi said that she had been writing that letter.
• I said that Sam was driving the car.
• My uncle said that he was cooking lunch.
• My brother said that he had already eaten.
• The old lady asked the girl where she came from.
• Jon said that he likes to play rugby.
• My mother said that she gets up early every morning.
• The maths teacher said that three divided by three is one.
• Mohit said that Switzerland was a very beautiful country.
• Ruben said that it was very cold outside.
• The teacher said that the French Revolution took place in 1789.
• Uma said that she saw a Royal Bengal Tiger in the zoo.
• Luke said that he could do that homework.
• Aswini told her mother that she had passed the test.
• Daphne informed Antony that she would go to London the next day.
• The boy said that his father was sleeping.
• The traffic police asked us where we were going.
• The man shouted to them to let him go.
• Shivina exclaimed sadly that she was lost.
• Helena said that she knew her contact number.
• Stefen said that his granny was making pasta.
• Raj asked Simran if she had ever been to the National Museum.
• Anish requested Sid to lend him the book.
• The teacher told the parents that Shelly was working very hard.
• Joshua said that he had completed his assignment.
• I asked Alka how long she would stay there.
• The child told his dad that he wants an ice cream.
• Meera said that she was not feeling well.
• The teacher instructed Vivek to draw the diagram of the plant’s parts.
• Irin said that she was playing the piano.
• My mother asked me to help her carry the bag.
• Rahul said that his sister was very helpful.
• The news reporter said that the flight would be delayed by a few hours due to heavy rains.
• Urmi said to her mother that she wanted a slice of pizza.
• I asked Daniel if he was reading that book.

Frequently Asked Questions

What is direct narration.

When the actual words/sentences spoken by the speaker are quoted in a speech, it is known as direct speech/narration.

Is knowing reported speech necessary for Class 10?

Having a basic understanding of reported speech is necessary for students of any class or age. Solving exercises on direct and indirect speech will help them understand thoroughly and use them correctly.

What is indirect speech?

When the quoted speech is reported in the form of a narrative without changing the meaning of the actual quotation/words by the speaker, it is called indirect speech. Indirect speech is also known as reported speech.

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10th Class English Direct and Indirect Speech Question Bank

Done direct and indirect speech total questions - 35.

A)  He told Sheela that she committed a mistake here. done clear

B)  He told Sheela that she had committed a mistake there.   done clear

C)  He told Sheela that she would commit a mistake there. done clear

D)  None. done clear

A)  Vamsi said that they were playing a match today. done clear

B)  Vamsi said that they are playing a match today. done clear

C)  Vamsi said that they have been playing a match that day. done clear

D)  Vamsi said that they were playing a match that day.   done clear

A)  I told her that I was writing an essay then.   done clear

B)  I told her that I am writing an essay then. done clear

C)  I told her that I was writing an essay now. done clear

D)  I told to her that I was writing an essay then. done clear

A)  He said children go to school every day. done clear

B)  He said that children go to school every day.   done clear

C)  He said that children go to school that day. done clear

A)  The teacher said that they are preparing well for the exams. done clear

B)  The teacher asked if I am preparing well for the exams. done clear

C)  The teacher asked if I was preparing well for the exams.   done clear

D)  The teachers asked whether I have been preparing well for the exams. done clear

A)  She asked the child if he/she had taken his/her meal.   done clear

B)  She asked the child if he/she has taken his/her meal. done clear

C)  She asked the child if he/she will take his/her meal. done clear

D)  She asked the child if he/she would take his/her meal. done clear

A)  She asked the boy where he learnt classical music. done clear

B)  She asked the boy where he learns classical music. done clear

C)  She asked the boy where he would learn classical music. done clear

D)  She asked the boy where he had learnt classical music.   done clear

A)  The teacher asked the girl what her name was.   done clear

B)  The teacher said to the girl what her name is/was. done clear

C)  The teacher asked the girl what was her name. done clear

D)  The teacher asked the girl what is her name. done clear

A)  The officer said to the clerk to file these papers immediately. done clear

B)  The officer ordered to the clerk to file those papers immediately. done clear

C)  The officer ordered the clerk to file those papers immediately.   done clear

A)  He told her that he lost all his property. done clear

B)  He exclaimed with sorrow that he had lost all his property.   done clear

C)  He exclaimed with sorrow that he lost all his property. done clear

D)  He exclaimed with sorrow that he has lost all his property. done clear

A)  She said that they are going. done clear

B)  She said that they have been going. done clear

C)  She said that they will be going. done clear

D)  She said that they had been going.   done clear

A)  The children told me that they would go out in the rain.   done clear

B)  The children told to me that they would go out in the rain. done clear

C)  The children said to me that they would go out in the rain. done clear

A)  He told me that I can never get my help. done clear

B)  He told me that I could never get his help.   done clear

C)  He told me that I could never get my help. done clear

D)  He told me that I can never get his help. done clear

A)  He said that he should show me the way now. done clear

B)  He told me that he should show me the way then.   done clear

C)  He said to me that he should show me the way then. done clear

A)  He asked her if she would plan to go away in summer. done clear

B)  He asked her if she planned to go away in summer. done clear

C)  He asked her if she has planned to go away in summer. done clear

D)  He asked her if she had planned to go away in summer.   done clear

A)  I asked him if he could lend me some money.   done clear

B)  I asked him if he can lend me some money. done clear

C)  I asked him if he will lend me some money. done clear

D)  I asked him if he shall lend me some money. done clear

A)  She told him to come again tomorrow. done clear

B)  She asked him to come again tomorrow. done clear

C)  She asked him to come again the day after.   done clear

A)  The student said he was disappointed with his marks. done clear

B)  The student said that he was disappointed with his marks.   done clear

C)  The student said that he is disappointed with his marks. done clear

A)  The father told his son that the things will be sorted out then. done clear

B) The father told his son that the things would be sorted out now. done clear

C)  The father told his son that the things would be sorted out then.   done clear

D)  The father told his son the things would be sorted out then. done clear

A)  The boy said to her not to wait for the bus. done clear

B)  The boy said to her that not to wait for the bus. done clear

C)  The boy said to her to wait for the bus. done clear

D)  The boy told her not to wait for the bus.   done clear

A)  The boy said that I have pain in my right leg. done clear

B)  The boy said that he had pain in his right leg.   done clear

C)  The boy said that he has pain in his right leg. done clear

D)  The boy said he had pain in his right leg. done clear

A)  The mother advised her son not to waste his time.   done clear

B)  The mother ordered her son not to waste his time. done clear

C)  The mother asked her son that not to waste his time. done clear

A)  My brother asked me that what I was doing. done clear

B)  My brother asked me what was I doing. done clear

C)  My brother asked me what I was doing.   done clear

D) None. done clear

A)  I ordered her to come in. done clear

B)  I said to her that she may come in. done clear

C)  She sought the permission from me to come in.   done clear

D)  She ordered me to come in. done clear

A)  The teacher said that man was mortal. done clear

B)  The teacher said man is mortal. done clear

C)  The teacher said that man will be mortal. done clear

D)  The teacher said that man is mortal.   done clear

A)  She tells that they were going out. done clear

B)  She tells that they are going out.   done clear

C)  She said that they are going out. done clear

D)  She said that they were going out. done clear

A)  The boy asked the Principal why it could not be correct.   done clear

B)  The boy asked the principal that why it could not be correct. done clear

C)  The boy asked the principal why could not it be correct. done clear

A)  He told to her that they are buying a new house. done clear

B)  He told her that they are buying a new house. done clear

C)  The boy told her that they were buying a new house.   done clear

A)  He will say that he doesn't like that.   done clear

B)  He will say that he didn't like that. done clear

C)  He will say if he liked it. done clear

A)  The teacher said the Earth is a planet. done clear

B)  The teacher said that the Earth was a planet. done clear

C)  The teacher said that the Earth is a planet.   done clear

D)  The teacher said that the Earth will be a planet. done clear

A)  They said to him that they are leaving for Chennai the day after. done clear

B)  They told him that they were leaving for Chennai the next day.   done clear

C)  They told him that they will be leaving for Chennai the day after. done clear

A)  My mother said that not to disturb me. done clear

B)  My mother told me not to disturb her.   done clear

C)  My mother told me to disturb her. done clear

D)  My mother told me not to disturb me. done clear

A)  She said to me where I had gone all these days. done clear

B)  She asked me where had I gone all these days. done clear

C)  She asked me where I had gone all those days.   done clear

D)  She asked me where had I gone all those days. done clear

A)  He told to my father that he read the Hindu every day. done clear

B)  He told my father that he read the Hindu every day. done clear

C)  He told my father that he reads the Hindu every day.   done clear

A)  The teacher said to my mother, "Your son gets good marks,?? done clear

B)  The teacher said to my mother, "Your son has got good marks.??   done clear

C)  The teacher told to my mother, "your son got good marks.?? done clear

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• Speech Search

Welcome to the United Nations Interpretation Service Speech Bank. This platform is aimed at interpreters, students, teachers and anyone who wishes to practice and/or prepare for interpretation tests and/or Competitive Exams for Language Positions  (CELP).

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The Speech Bank also contains sets of previous competitive exams – that is, complete language sets and also individual speeches – this will enable you to familiarise yourself with these types of examinations.

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Disclaimer : The speeches featured under this category constitute samples extracted from past exams which were specifically designed to meet duty stations’ recruitment needs and/or the Human Resources policies of the organization at the time. The duration, level of difficulty and distinct characteristics of speeches may vary from one exam to the next. All exams are administered by the Office of Human Resources Management.

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General election latest: Conservatives attack Starmer's 'stamina' as PM shuns football team to campaign; Labour hit back over Tory's pub visit

The home secretary outlined a surprising major Tory proposal to reintroduce National Service on Sky News this morning. Party insiders think the plan has been "under wraps for some time". Elsewhere, the PM will not watch his football team at Wembley as he continues to campaign.

Sunday 26 May 2024 19:30, UK

• General Election 2024

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General election called for 4 July

• PM vows to introduce National Service  | But no threat of jail time  | Pledge 'start of election campaign proper
• Tory defence minister criticised national service last week
• Tories attack Starmer over lack of campaigning
• Labour pledges to reignite Sunak's proposed smoking ban
• Sunak not going to Southampton's playoff final
• Davey launches Lib Dem battle bus
• Farage challenged on 'offensive' comments about British Muslims
• Live reporting by Tim Baker and  Brad Young

Expert analysis

• Tamara Cohen: Farage's incendiary claims a question for Reform
• Adam Boulton: Why PM's big bet on security likely won't pay off
• Deborah Haynes : Next PM will have no time to play politics with defence
• Sam Coates: Gove stepping down shows political winds are shifting

Election essentials

• Trackers: Who's leading polls? | Is PM keeping promises?
• Subscribe to Sky's politics podcasts: Electoral Dysfunction | Politics At Jack And Sam's
• Read more: What happens next? | Which MPs are standing down? | Key seats to watch | How to register to vote | What counts as voter ID? | Check if your constituency's changing | Sky's coverage plans

Five days into the general election campaign, the battle for the right-wing vote is already playing out in full view.

Bringing back a form of National Service is a policy targeted squarely at traditional Tory voters and crucially those who are thinking of backing the party’s right-wing rival – Reform UK.

Broadbrush polling on the concept shows many in this group approve.

That said, dig into the detail and the picture is more complex – as one pollster put it "you wouldn’t bet your house on polling like this, particularly if your house was Number 10 Downing Street".

What’s not in doubt is that this eye-catching announcement has changed the campaign conversation after a bumpy start for Rishi Sunak.

But just as the prime minister starts to get on the front foot, a reminder of the threat he faces from the right.

Entering the election in a characteristically controversial way, Reform president Nigel Farage offended many with suggestions that many Muslims did not agree with “British values”.

The ex-UKIP leader is not chasing a parliamentary seat this time round, but this intervention shows he’s not afraid to roll the pitch for his party colleagues in the most inflammatory fashion. 

There have been numerous responses to the government's National Service pledge - but one minister and Tory MP has been "liking" a series of posts on X which are very critical of it.

Steve Baker, the MP for Wycombe, previously was a member of the RAF.

Among his likes are one post calling the idea of National Service "totally moronic", another highlighting Downing Street previously denying such plans existing, and one about a "devastating takedown" of National Service last week by a defence minister - you can see more in the 3.12pm post.

He also reposted an X post highlighting the same defence minister's words.

Rishi Sunak has posted a TikTok video - the first his party have put on the short-form video platform.

In it, Mr Sunak explains his proposed National Service policy to younger voters, addressing those who tend to use the platform.

However, this comes despite calls within the party to ban the TikTok platform from this UK.

The likes of Sir Iain Duncan Smith, Alicia Kearns, and Tim Loughton have all raised concerns about TikTok due to its association with China and concerns about what is being done with users' data.

It was only last week that a Tory MP and government minister was criticising the concept of National Service.

And yet it is now a policy his party wants to introduce.

Responding to a written question in the House of Commons, defence minister and Conservative MP Andrew Murrison said on Thursday: "If potentially unwilling National Service recruits were to be obliged to serve alongside the professional men and women of our Armed Forces, it could damage morale, recruitment and retention and would consume professional military and naval resources.

"If, on the other hand, National Service recruits were kept in separate units, it would be difficult to find a proper and meaningful role for them, potentially harming motivation and discipline.

"For all these reasons, there are no current plans for the restoration of any form of National Service."

defence and security correspondent Deborah Haynes heard from one Ministry of Defence insider: "This is a policy surprise to me. I haven't seen it discussed in the Ministry of Defence."

It is worth pointing out at this point there is a difference between the Minister of Defence and the government machine, and the political campaign being run by the Conservative Party.

Yesterday, Rishi Sunak came under attack for his lack of campaigning - as he held meetings in his Yorkshire constituency before flying to London and campaigning there.

Today, the Tories have turned fire on Sir Keir Starmer - with the Labour leader not being seen at all in public today.

Rather, shadow cabinet members Liz Kendall and Rachel Reeves were seen out and about.

Mr Sunak was campaigning in North London, meanwhile, although he did not give any interviews.

A senior Conservative party source said: "Yesterday the PM hit the campaign trail two hours before Sir Keir surfaced.

"Today there is no sign of Starmer whatsoever and we are just four days into the campaign. 

"Campaigns are tough, tiring things and it's understandable that he may be weary. But being prime minister is a 24/7 job which requires stamina."

A Labour spokesperson hit back: "Keir and the Labour Party are working round the clock, enjoying taking our message of change to the country. 

"We were out speaking with voters across the country within half an hour of the election being called. 

"Meanwhile the PM has been holed up with his aides at his house, the Tory Party chair spent yesterday afternoon at a pub in Westminster and the cabinet appear to have completely disappeared."

Sky political correspondent Darren McCaffrey is in South Cambridgeshire, covering the Liberal Democrat's election campaign.

He points that the party's battle bus - Yellow Hammer one - is going to be used to "break down the Blue Wall", which is the area in the South of England in which many Conservative MPs currently sit.

Darren says this campaign is very different to 2019, when the Lib Dems claimed they would win 200 seats in the wake of Brexit.

"This is a much more considered campaign, a much more targeted campaign, of trying to win seats like South Cambridgeshire," he says.

It is a seat which has been "rock-solid" Conservative for a long time, but boundary changes mean the Lib Dems reckon they're in with a chance.

Darren says this seat - and similar ones in areas like Surrey - are the ones Sir Ed will be targeting in the next six weeks.

They will do this using a message known as ABC - anyone but the Conservatives - where they will encourage people to vote the Tories out.

This is being done in the hopes that supporters of parties like Labour and the Greens will back them in areas where the Lib Dems are the main challengers.

Sir Ed Davey, the leader of the Liberal Democrats, is launching his party's general election campaign battle bus in Cambridgeshire.

Sir Ed reveals the bus is called "Yellow Hammer 1".

He then tells campaigners that the election is the opportunity to "kick this out of touch Conservative government out of office" - and a chance "to elect great Liberal Democrat MPs".

The Liberal Democrat leader says people "are struggling with the cost of living with high energy bills, with mortgages and high rents with high food bills".

He adds: "And they're fed up of the Conservatives not helping them. 

"They're worried about loved ones waiting for hours for ambulances, days and weeks for a GP appointment, months for urgent cancer treatment. 

"And they're fed up of the Conservatives having plunged our NHS and care into crisis.

"They're angry with the water companies being allowed to pump their filthy sewage into our rivers and onto our beaches. 

"And they're fed up with Conservative MPs voting to allow that to continue. 

"And they want change, and they want the Conservatives out."

Rachel Reeves, the shadow chancellor, has been doing a campaign visit from West Yorkshire this afternoon.

She gives what will shortly become her recognisable stump speech - commenting on how it is "time to turn the page on 14 years of chaos and decline" with the Conservatives.

She adds that economic growth is "on its knees" - but Labour has a plan "to turn things around".

Ms Reeves highlights there have been five prime ministers, seven chancellors and 12 plans for growth since 2010.

The Labour front bencher adds that she will create a national wealth fund to invest in jobs and industry, with a "modern industrial strategy that businesses can get behind".

She pledges to "never play fast and loose with the public finances".

Sky News has been speaking to people from across the political spectrum about the announcement today on National Service plans being proposed by the Conservatives.

Paul Goodman, the former editor of the Conservative Home website, says: "Well, this is the start of the election campaign proper.

"I think we're now getting to the point where the two parties will begin to unveil their policies - and I would expect more from the Conservatives this week."

On the policy itself, Mr Goodman suggests there is a lot of support for some form of National Service, and this was researched by a former thinktank director who is now in government.

This suggests it has been "under wraps for some time" as a plan.

Meanwhile, Tom Belger, the editor of Labour List, says the plan is an "unfunded gimmick". 

He adds that the government has had 14 years to come up with ideas.

But he conceded that Labour should not be ruling out a version of the pledge "per se" - but maybe should be "pushing back" on the "fixation of the armed forces".

Rishi Sunak grew up in Southampton and supports the city's football team.

He went to his team's play-off semi-final as they fight for promotion from the Championship.

But he will not be at Wembley today as the Saints take on Leeds United, with the final slot in the Premier League next season up for grabs.

Instead, it is understood that he will be meeting voters in the South East, the PA news agency has been told.

Sources close to the prime minister said he will still be paying attention to the score of the match, which kicks off at 3pm.

Pictures showed Mr Sunak was campaigning in North West London, within a few miles of Wembley Stadium, on the Sunday. 

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The Possible Collapse of the U.S. Home Insurance System

A times investigation found climate change may now be a concern for every homeowner in the country..

This transcript was created using speech recognition software. While it has been reviewed by human transcribers, it may contain errors. Please review the episode audio before quoting from this transcript and email [email protected] with any questions.

From “The New York Times,” I’m Sabrina Tavernise. And this is “The Daily.”

[MUSIC PLAYING]

Today, my colleague, Christopher Flavelle, on a “Times” investigation into one of the least known and most consequential effects of climate change — insurance — and why it may now be a concern for every homeowner in the country.

It’s Wednesday, May 15.

So, Chris, you and I talked a while ago about how climate change was really wreaking havoc in the insurance market in Florida. You’ve just done an investigation that takes a look into the insurance markets more broadly and more deeply. Tell us about it.

Yeah, so I cover climate change, in particular the way climate shocks affect different parts of American life. And insurance has become a really big part of that coverage. And Florida is a great example. As hurricanes have gotten worse and more frequent, insurers are paying out more and more money to rebuild people’s homes. And that’s driving up insurance costs and ultimately driving up the cost of owning a home in Florida.

So we’re already seeing that climate impact on the housing market in Florida. My colleagues and I started to think, well, could it be that that kind of disruption is also happening in other states, not just in the obvious coastal states but maybe even through the middle of the US? So we set out to find out just how much it is happening, how much that Florida turmoil has, in fact, become really a contagion that is spreading across the country.

So how did you go about reporting this? I mean, where did you start?

All we knew at the start of this was that there was reason to think this might be a problem. If you just look at how the federal government tracks disasters around the country, there’s been a big increase almost every year in the number and severity of all kinds of disasters around the country. So we thought, OK, it’s worth trying to find out, what does that mean for insurers?

The problem is getting data on the insurance industry is actually really hard. There’s no federal regulation. There’s no government agency you can go to that holds this data. If you talk to the insurers directly, they tend to be a little reluctant to share information about what they’re going through. So we weren’t sure where to go until, finally, we realized the best people to ask are the people whose job it is to gauge the financial health of insurance companies.

Those are rating agencies. In particular, there’s one rating company called AM Best, whose whole purpose is to tell investors how healthy an insurance company is.

Whoa. So this is way down in the nuts and bolts of the US insurance industry.

Right. This is a part of the broader economy that most people would never experience. But we asked them to do something special for us. We said, hey, can you help us find the one number that would tell us reporters just how healthy or unhealthy this insurance market is state by state over time? And it turns out, there is just such a number. It’s called a combined ratio.

OK, plain English?

Plain English, it is the ratio of revenue to costs, how much money these guys take in for homeowner’s insurance and how much they pay out in costs and losses. You want your revenue to be higher than your costs. If not, you’re in trouble.

So what did you find out?

Well, we got that number for every state, going back more than a decade. And what it showed us was our suspicions were right. This market turmoil that we were seeing in Florida and California has indeed been spreading across the country. And in fact, it turns out that in 18 states, last year, the homeowner’s insurance market lost money. And that’s a big jump from 5 or 10 years ago and spells real trouble for insurance and for homeowners and for almost every part of the economy.

So the contagion was real.

Right. This is our first window showing us just how far that contagion had spread. And one of the really striking things about this data was it showed the contagion had spread to places that I wouldn’t have thought of as especially prone to climate shocks — for example, a lot of the Midwest, a lot of the Southeast. In fact, if you think of a map of the country, there was no state between Pennsylvania and the Dakotas that didn’t lose money on homeowner’s insurance last year.

So just huge parts of the middle of the US have become unprofitable for homeowner’s insurance. This market is starting to buckle under the cost of climate change.

And this is all happening really fast. When we did the Florida episode two years ago, it was a completely new phenomenon and really only in Florida. And now it’s everywhere.

Yeah. And that’s exactly what’s so striking here. The rate at which this is becoming, again, a contagion and spreading across the country is just demolishing the expectations of anyone I’ve spoken to. No one thought that this problem would affect so much of the US so quickly.

So in these states, these new places that the contagion has spread to, what exactly is happening that’s causing the insurance companies to fold up shop?

Yeah. Something really particular is happening in a lot of these states. And it’s worth noting how it’s surprised everyone. And what that is, is formally unimportant weather events, like hailstorms or windstorms, those didn’t used to be the kind of thing that would scare insurance companies. Obviously, a big problem if it destroys your home or damages your home. But for insurers, it wasn’t going to wipe them out financially.

Right. It wasn’t just a complete and utter wipeout that the company would then have to pony up a lot of money for.

Exactly. And insurers call them secondary perils, sort of a belittling term, something other than a big deal, like a hurricane.

These minor league weather events.

Right. But those are becoming so frequent and so much more intense that they can cause existential threats for insurance companies. And insurers are now fleeing states not because of hurricanes but because those former things that were small are now big. Hailstorms, wildfires in some places, previous annoyances are becoming real threats to insurers.

Chris, what’s the big picture on what insurers are actually facing? What’s happening out there numbers-wise?

This is a huge threat. In terms of the number of states where this industry is losing money, it’s more than doubled from 10 years ago to basically a third of the country. The amount they’re losing is enormous. In some states, insurers are paying out $1.25 or even $1.50 for every dollar they bring in, in revenue, which is totally unsustainable.

And the result is insurers are making changes. They are pulling back from these markets. They’re hiking premiums. And often, they’re just dropping customers. And that’s where this becomes real, not just for people who surf balance sheets and trade in the stock market. This is becoming real for homeowners around the country, who all of a sudden increasingly can’t get insurance.

So, Chris, what’s the actual implication? I mean, what happens when people in a state can’t get insurance for their homes?

Getting insurance for a home is crucial if you want to sell or buy a home. Most people can’t buy a home without a mortgage. And banks won’t issue a mortgage without home insurance. So if you’ve got a home that insurance company doesn’t want to cover, you got a real problem. You need to find insurance, or that home becomes very close to unsellable.

And as you get fewer buyers, the price goes down. So this doesn’t just hurt people who are paying for these insurance premiums. It hurts people who want to sell their homes. It even could hurt, at some point, whole local economies. If home values fall, governments take in less tax revenue. That means less money for schools and police. It also means people who get hit by disasters and have to rebuild their homes all of a sudden can’t, because their insurance isn’t available anymore. It’s hard to overstate just how big a deal this is.

And is that actually happening, Chris? I mean, are housing markets being dragged down because of this problem with the insurance markets right now?

Anecdotally, we’ve got reports that in places like Florida and Louisiana and maybe in parts of California, the difficulty of getting insurance, the crazy high cost of insurance is starting to depress demand because not everyone can afford to pay these really high costs, even if they have insurance. But what we wanted to focus on with this story was also, OK, we know where this goes eventually. But where is it beginning? What are the places that are just starting to feel these shocks from the insurance market?

And so I called around and asked insurance agents, who are the front lines of this. They’re the ones who are struggling to find insurance for homeowners. And I said, hey, is there one place that I should go if I want to understand what it looks like to homeowners when all of a sudden insurance becomes really expensive or you can’t even find it? And those insurance agents told me, if you want to see what this looks like in real life, go to a little town called Marshalltown in the middle of Iowa.

We’ll be right back.

So, Chris, you went to Marshalltown, Iowa. What did you find?

Even before I got to Marshalltown, I had some idea I was in the right spot. When I landed in Des Moines and went to rent a car, the nice woman at the desk who rented me a car, she said, what are you doing here? I said, I’m here to write a story about people in Iowa who can’t get insurance because of storms. She said, oh, yeah, I know all about that. That’s a big problem here.

Even the rental car lady.

Even the rental car lady knew something was going on. And so I got into my rental car and drove about an hour northeast of Des Moines, through some rolling hills, to this lovely little town of Marshalltown. Marshalltown is a really cute, little Midwestern town with old homes and a beautiful courthouse in the town square. And when I drove through, I couldn’t help noticing all the roofs looked new.

What does that tell you?

Turns out Marshalltown, despite being a pastoral image of Midwestern easy living, was hit by two really bad disasters in recent years — first, a devastating tornado in 2018 and then, in 2020, what’s called a derecho, a straight-line wind event that’s also just enormously damaging. And the result was lots of homes in this small town got severely damaged in a short period of time. And so when you drive down, you see all these new roofs that give you the sense that something’s going on.

So climate had come to Marshalltown?

Exactly. A place that had previously seemed maybe safe from climate change, if there is such a thing, all of a sudden was not. So I found an insurance agent in Marshalltown —

We talked to other agents but haven’t talked to many homeowners.

— named Bobby Shomo. And he invited me to his office early one morning and said, come meet some people. And so I parked on a quiet street outside of his office, across the street from the courthouse, which also had a new roof, and went into his conference room and met a procession of clients who all had versions of the same horror story.

It was more — well more of double.

A huge reduction in coverage with a huge price increase.

Some people had faced big premium hikes.

I’m just a little, small business owner. So every little bit I do feel.

They had so much trouble with their insurance company.

I was with IMT Insurance forever. And then when I moved in 2020, Bobby said they won’t insure a pool.

Some people had gotten dropped.

Where we used to see carriers canceling someone for frequency of three or four or five claims, it’s one or two now.

Some people couldn’t get the coverage they needed. But it was versions of the same tale, which is all of a sudden, having homeowner’s insurance in Marshalltown was really difficult. But I wanted to see if it was bigger than just Marshalltown. So the next day, I got back in my car and drove east to Cedar Rapids, where I met another person having a version of the same problem, a guy named Dave Langston.

Tell me about Dave.

Dave lives in a handsome, modest, little townhouse on a quiet cul-de-sac on a hill at the edge of Cedar Rapids. He’s the president of his homeowners association. There’s 17 homes on this little street. And this is just as far as you could get from a danger zone. It looks as safe as could be. But in January, they got a letter from the company that insures him and his neighbors, saying his policy was being canceled, even though it wasn’t as though they’d just been hit by some giant storm.

So then what was the reason they gave?

They didn’t give a reason. And I think people might not realize, insurers don’t have to give a reason. Insurance policies are year to year. And if your insurance company decides that you’re too much of a risk or your neighborhood is too much of a risk or your state is too much of a risk, they can just leave. They can send you a letter saying, forget it. We’re canceling your insurance. There’s almost no protection people have.

And in this case, the reason was that this insurance company was losing too much money in Iowa and didn’t want to keep on writing homeowner’s insurance in the state. That was the situation that Dave shared with tens of thousands of people across the state that were all getting similar letters.

What made Dave’s situation a little more challenging was that he couldn’t get new insurance. He tried for months through agent after agent after agent. And every company told him the same thing. We won’t cover you. Even though these homes are perfectly safe in a safe part of the state, nobody would say yes. And it took them until basically two days before their insurance policy was going to run out until they finally found new coverage that was far more expensive and far more bare-bones than what they’d had.

But at least it was something.

It was something. But the problem was it wasn’t that good. Under this new policy, if Dave’s street got hit by another big windstorm, the damage from that storm and fixing that damage would wipe out all the savings set aside by these homeowners. The deductible would be crushingly high — $120,000 — to replace those roofs if the worst happened because the insurance money just wouldn’t cover anywhere close to the cost of rebuilding.

He said to me, we didn’t do anything wrong. This is just what insurance looks like today. And today, it’s us in Cedar Rapids. Everyone, though, is going to face a situation like this eventually. And Dave is right. I talked to insurance agents around the country. And they confirmed for me that this kind of a shift towards a new type of insurance, insurance that’s more expensive and doesn’t cover as much and makes it harder to rebuild after a big disaster, it’s becoming more and more common around the country.

So, Chris, if Dave and the people you spoke to in Iowa were really evidence that your hunch was right, that the problem is spreading and rapidly, what are the possible fixes here?

The fix that people seem most hopeful about is this idea that, what if you could reduce the risk and cause there to be less damage in the first place? So what some states are doing is they’re trying to encourage homeowners to spend more money on hardening their home or adding a new roof or, if it’s a wildfire zone, cut back the vegetation, things that can reduce your risk of having really serious losses. And to help pay for that, they’re telling insurers, you’ve got to offer a discount to people who do that.

And everyone who works in this field says, in theory, that’s the right approach. The problem is, number one, hardening a home costs a fantastic amount of money. So doing this at scale is hugely expensive. Number two, it takes a long time to actually get enough homes hardened in this way that you can make a real dent for insurance companies. We’re talking about years or probably decades before that has a real effect, if it ever works.

OK. So that sounds not particularly realistic, given the urgency and the timeline we’re on here. So what else are people looking at?

Option number two is the government gets involved. And instead of most Americans buying home insurance from a private company, they start buying it from government programs that are designed to make sure that people, even in risky places, can still buy insurance. That would be just a gargantuan undertaking. The idea of the government providing homeowner’s insurance because private companies can’t or won’t would lead to one of the biggest government programs that exists, if we could even do it.

So huge change, like the federal government actually trying to write these markets by itself by providing homeowner’s insurance. But is that really feasible?

Well, in some areas, we’re actually already doing it. The government already provides flood insurance because for decades, most private insurers have not wanted to cover flood. It’s too risky. It’s too expensive. But that change, with governments taking over that role, creates a new problem of its own because the government providing flood insurance that you otherwise couldn’t get means people have been building and building in flood-prone areas because they know they can get that guaranteed flood insurance.

Interesting. So that’s a huge new downside. The government would be incentivizing people to move to places that they shouldn’t be.

That’s right. But there’s even one more problem with that approach of using the government to try to solve this problem, which is these costs keep growing. The number of billion-dollar disasters the US experiences every year keeps going up. And at some point, even if the government pays the cost through some sort of subsidized insurance, what happens when that cost is so great that we can no longer afford to pay it? That’s the really hard question that no official can answer.

So that’s pretty doomsday, Chris. Are we looking at the end of insurance?

I think it’s fair to say that we’re looking at the end of insurance as we know it, the end of insurance that means most Americans can rest assured that if they get hit by a disaster, their insurance company will provide enough money they can rebuild. That idea might be going away. And what it shows is maybe the threat of climate change isn’t quite what we thought.

Maybe instead of climate change wrecking communities in the form of a big storm or a wildfire or a flood, maybe even before those things happen, climate change can wreck communities by something as seemingly mundane and even boring as insurance. Maybe the harbinger of doom is not a giant storm but an anodyne letter from your insurance company, saying, we’re sorry to inform you we can no longer cover your home.

Maybe the future of climate change is best seen not by poring over weather data from NOAA but by poring over spreadsheets from rating firms, showing the profitability from insurance companies, and how bit by bit, that money that they’re losing around the country tells its own story. And the story is these shocks are actually already here.

Chris, as always, terrifying to talk to you.

Always a pleasure, Sabrina.

Here’s what else you should know today. On Tuesday, the United Nations has reclassified the number of women and children killed in Gaza, saying that it does not have enough identifying information to know exactly how many of the total dead are women and children. The UN now estimates that about 5,000 women and about 8,000 children have been killed, figures that are about half of what it was previously citing. The UN says the numbers dropped because it is using a more conservative estimate while waiting for information on about 10,000 other dead Gazans who have not yet been identified.

And Mike Johnson, the Speaker of the House, gave a press conference outside the court in Lower Manhattan, where Michael Cohen, the former fixer for Donald Trump, was testifying for a second day, answering questions from Trump’s lawyers. Trump is bound by a gag order. So Johnson joined other stand-ins for the former president to discredit the proceedings. Johnson, one of the most important Republicans in the country, attacked Cohen but also the trial itself, calling it a sham and political theater.

Today’s episode was produced by Nina Feldman, Shannon Lin, and Jessica Cheung. It was edited by MJ Davis Lin, with help from Michael Benoist, contains original music by Dan Powell, Marion Lozano, and Rowan Niemisto, and was engineered by Alyssa Moxley. Our theme music is by Jim Brunberg and Ben Landsverk of Wonderly.

That’s it for “The Daily.” I’m Sabrina Tavernise. See you tomorrow.

• May 24, 2024   •   25:18 Whales Have an Alphabet
• May 23, 2024   •   34:24 I.C.C. Prosecutor Requests Warrants for Israeli and Hamas Leaders
• May 22, 2024   •   23:20 Biden’s Open War on Hidden Fees
• May 21, 2024   •   24:14 The Crypto Comeback
• May 20, 2024   •   31:51 Was the 401(k) a Mistake?
• May 19, 2024   •   33:23 The Sunday Read: ‘Why Did This Guy Put a Song About Me on Spotify?’
• May 17, 2024   •   51:10 The Campus Protesters Explain Themselves
• May 16, 2024   •   30:47 The Make-or-Break Testimony of Michael Cohen
• May 15, 2024   •   27:03 The Possible Collapse of the U.S. Home Insurance System
• May 14, 2024   •   35:20 Voters Want Change. In Our Poll, They See It in Trump.
• May 13, 2024   •   27:46 How Biden Adopted Trump’s Trade War With China
• May 10, 2024   •   27:42 Stormy Daniels Takes the Stand

Hosted by Sabrina Tavernise

Featuring Christopher Flavelle

Produced by Nina Feldman ,  Shannon M. Lin and Jessica Cheung

Edited by MJ Davis Lin

With Michael Benoist

Original music by Dan Powell ,  Marion Lozano and Rowan Niemisto

Engineered by Alyssa Moxley

Listen and follow The Daily Apple Podcasts | Spotify | Amazon Music | YouTube

Across the United States, more frequent extreme weather is starting to cause the home insurance market to buckle, even for those who have paid their premiums dutifully year after year.

Christopher Flavelle, a climate reporter, discusses a Times investigation into one of the most consequential effects of the changes.

On today’s episode

Christopher Flavelle , a climate change reporter for The New York Times.

Background reading

As American insurers bleed cash from climate shocks , homeowners lose.

See how the home insurance crunch affects the market in each state .

Here are four takeaways from The Times’s investigation.

There are a lot of ways to listen to The Daily. Here’s how.

We aim to make transcripts available the next workday after an episode’s publication. You can find them at the top of the page.

Christopher Flavelle contributed reporting.

The Daily is made by Rachel Quester, Lynsea Garrison, Clare Toeniskoetter, Paige Cowett, Michael Simon Johnson, Brad Fisher, Chris Wood, Jessica Cheung, Stella Tan, Alexandra Leigh Young, Lisa Chow, Eric Krupke, Marc Georges, Luke Vander Ploeg, M.J. Davis Lin, Dan Powell, Sydney Harper, Mike Benoist, Liz O. Baylen, Asthaa Chaturvedi, Rachelle Bonja, Diana Nguyen, Marion Lozano, Corey Schreppel, Rob Szypko, Elisheba Ittoop, Mooj Zadie, Patricia Willens, Rowan Niemisto, Jody Becker, Rikki Novetsky, John Ketchum, Nina Feldman, Will Reid, Carlos Prieto, Ben Calhoun, Susan Lee, Lexie Diao, Mary Wilson, Alex Stern, Dan Farrell, Sophia Lanman, Shannon Lin, Diane Wong, Devon Taylor, Alyssa Moxley, Summer Thomad, Olivia Natt, Daniel Ramirez and Brendan Klinkenberg.

Our theme music is by Jim Brunberg and Ben Landsverk of Wonderly. Special thanks to Sam Dolnick, Paula Szuchman, Lisa Tobin, Larissa Anderson, Julia Simon, Sofia Milan, Mahima Chablani, Elizabeth Davis-Moorer, Jeffrey Miranda, Renan Borelli, Maddy Masiello, Isabella Anderson and Nina Lassam.

Christopher Flavelle is a Times reporter who writes about how the United States is trying to adapt to the effects of climate change. More about Christopher Flavelle

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