reported speech questions rules

Reported Speech – Rules, Examples & Worksheet

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Candace Osmond

Candace Osmond studied Advanced Writing & Editing Essentials at MHC. She’s been an International and USA TODAY Bestselling Author for over a decade. And she’s worked as an Editor for several mid-sized publications. Candace has a keen eye for content editing and a high degree of expertise in Fiction.

They say gossip is a natural part of human life. That’s why language has evolved to develop grammatical rules about the “he said” and “she said” statements. We call them reported speech.

Every time we use reported speech in English, we are talking about something said by someone else in the past. Thinking about it brings me back to high school, when reported speech was the main form of language!

Learn all about the definition, rules, and examples of reported speech as I go over everything. I also included a worksheet at the end of the article so you can test your knowledge of the topic.

What Does Reported Speech Mean?

Reported speech is a term we use when telling someone what another person said. You can do this while speaking or writing.

There are two kinds of reported speech you can use: direct speech and indirect speech. I’ll break each down for you.

A direct speech sentence mentions the exact words the other person said. For example:

• Kryz said, “These are all my necklaces.”

Indirect speech changes the original speaker’s words. For example:

• Kryz said those were all her necklaces.

When we tell someone what another individual said, we use reporting verbs like told, asked, convinced, persuaded, and said. We also change the first-person figure in the quotation into the third-person speaker.

Reported Speech Examples

We usually talk about the past every time we use reported speech. That’s because the time of speaking is already done. For example:

• Direct speech: The employer asked me, “Do you have experience with people in the corporate setting?”

Indirect speech: The employer asked me if I had experience with people in the corporate setting.

• Direct speech: “I’m working on my thesis,” I told James.

Indirect speech: I told James that I was working on my thesis.

Reported Speech Structure

A speech report has two parts: the reporting clause and the reported clause. Read the example below:

• Harry said, “You need to help me.”

The reporting clause here is William said. Meanwhile, the reported clause is the 2nd clause, which is I need your help.

What are the 4 Types of Reported Speech?

Aside from direct and indirect, reported speech can also be divided into four. The four types of reported speech are similar to the kinds of sentences: imperative, interrogative, exclamatory, and declarative.

Reported Speech Rules

The rules for reported speech can be complex. But with enough practice, you’ll be able to master them all.

Choose Whether to Use That or If

The most common conjunction in reported speech is that. You can say, “My aunt says she’s outside,” or “My aunt says that she’s outside.”

Use if when you’re reporting a yes-no question. For example:

• Direct speech: “Are you coming with us?”

Indirect speech: She asked if she was coming with them.

Verb Tense Changes

Change the reporting verb into its past form if the statement is irrelevant now. Remember that some of these words are irregular verbs, meaning they don’t follow the typical -d or -ed pattern. For example:

• Direct speech: I dislike fried chicken.

Reported speech: She said she disliked fried chicken.

Note how the main verb in the reported statement is also in the past tense verb form.

Use the simple present tense in your indirect speech if the initial words remain relevant at the time of reporting. This verb tense also works if the report is something someone would repeat. For example:

• Slater says they’re opening a restaurant soon.
• Maya says she likes dogs.

This rule proves that the choice of verb tense is not a black-and-white question. The reporter needs to analyze the context of the action.

Move the tense backward when the reporting verb is in the past tense. That means:

• Present simple becomes past simple.
• Present perfect becomes past perfect.
• Present continuous becomes past continuous.
• Past simple becomes past perfect.
• Past continuous becomes past perfect continuous.

Here are some examples:

• The singer has left the building. (present perfect)

He said that the singers had left the building. (past perfect)

• Her sister gave her new shows. (past simple)
• She said that her sister had given her new shoes. (past perfect)

If the original speaker is discussing the future, change the tense of the reporting verb into the past form. There’ll also be a change in the auxiliary verbs.

• Will or shall becomes would.
• Will be becomes would be.
• Will have been becomes would have been.
• Will have becomes would have.

For example:

• Direct speech: “I will be there in a moment.”

Indirect speech: She said that she would be there in a moment.

Do not change the verb tenses in indirect speech when the sentence has a time clause. This rule applies when the introductory verb is in the future, present, and present perfect. Here are other conditions where you must not change the tense:

• If the sentence is a fact or generally true.
• If the sentence’s verb is in the unreal past (using second or third conditional).
• If the original speaker reports something right away.
• Do not change had better, would, used to, could, might, etc.

Changes in Place and Time Reference

Changing the place and time adverb when using indirect speech is essential. For example, now becomes then and today becomes that day. Here are more transformations in adverbs of time and places.

• This – that.
• These – those.
• Now – then.
• Here – there.
• Tomorrow – the next/following day.
• Two weeks ago – two weeks before.
• Yesterday – the day before.

Here are some examples.

• Direct speech: “I am baking cookies now.”

Indirect speech: He said he was baking cookies then.

• Direct speech: “Myra went here yesterday.”

Indirect speech: She said Myra went there the day before.

• Direct speech: “I will go to the market tomorrow.”

Indirect speech: She said she would go to the market the next day.

Using Modals

If the direct speech contains a modal verb, make sure to change them accordingly.

• Will becomes would
• Can becomes could
• Shall becomes should or would.
• Direct speech: “Will you come to the ball with me?”

Indirect speech: He asked if he would come to the ball with me.

• Direct speech: “Gina can inspect the room tomorrow because she’s free.”

Indirect speech: He said Gina could inspect the room the next day because she’s free.

However, sometimes, the modal verb should does not change grammatically. For example:

• Direct speech: “He should go to the park.”

Indirect speech: She said that he should go to the park.

Imperative Sentences

To change an imperative sentence into a reported indirect sentence, use to for imperative and not to for negative sentences. Never use the word that in your indirect speech. Another rule is to remove the word please . Instead, say request or say. For example:

• “Please don’t interrupt the event,” said the host.

The host requested them not to interrupt the event.

• Jonah told her, “Be careful.”
• Jonah ordered her to be careful.

Reported Questions

When reporting a direct question, I would use verbs like inquire, wonder, ask, etc. Remember that we don’t use a question mark or exclamation mark for reports of questions. Below is an example I made of how to change question forms.

• Incorrect: He asked me where I live?

Correct: He asked me where I live.

Here’s another example. The first sentence uses direct speech in a present simple question form, while the second is the reported speech.

• Where do you live?

She asked me where I live.

Wrapping Up Reported Speech

My guide has shown you an explanation of reported statements in English. Do you have a better grasp on how to use it now?

Reported speech refers to something that someone else said. It contains a subject, reporting verb, and a reported cause.

Don’t forget my rules for using reported speech. Practice the correct verb tense, modal verbs, time expressions, and place references.

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Reported Speech (Part 2) – Requests, Orders, and Questions

My colleague asked me to help him update his computer.

Read Reported Speech (Part 1) to learn how to make reported statements.

In Part 2, we will focus on requests, orders, and questions.

1. Requests/orders

• “Asked me to”  is used for requests.
• “Told me to” is stronger; it is used for orders/commands.
• The main verb stays in the infinitive: She asked me to make copies. He told me to go to the bank.

2. Yes/no questions

• “Asked if” and “wanted to know if” are equal.
• The main verb changes according to the rules for reported statements : “ Did you turn off the TV?” (past simple) She asked if I had turned off the TV (past perfect)
• We don’t use the auxiliary verbs “do/does/did” in the reported question.

3. Other questions

• “Asked”  and “wanted to know” are equal.
• We don’t use the auxiliary verb “do” or “does” in the reported question: “Where does he work?” She wanted to know where he works .
• In questions with the verb “to be,” the word order  changes in the reported question: “Where were you born?” (Question word + [to be] + subject) He asked where I was born (Question word + subject + [to be]) He asked where was I born

Reported Speech (Part 2) Quiz

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How to use reported questions.

Learn about how to report questions in English grammar. Clear and simple explanation of meaning and use, with examples.

Forming reported questions

These general rules for reported speech also apply.

• Direct speech: “Where are you going?” Reported speech: He asked me where I was going .
• Direct speech: “Why is he shouting?” Reported speech: He asked me why he was shouting .
• Direct speech: “What do you want?” Reported speech: She asked me what I wanted .
• Direct speech: “Who doesn’t like cheese?” Reported speech: She asked me who didn’t like cheese.
• Direct speech: “Do you want me to come?” Reported speech: I asked him if he wanted me to come.
• Direct speech: “Have you fed the dog?” Reported speech: She asked me whether I had fed the dog.
• Direct speech: “Who is the champion?” Reported speech: She asked me who the champion was / She asked me who was the champion.
• Direct speech: “What is your favourite colour?” Reported speech: She asked me what my favourite colour was / She asked me what was my favourite colour.

Related grammar points

Reported Speech Reporting Verbs Say and Tell

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14 comments

Can you change the word order with other verbs that are not “to be”? Example: Where have you been? He asked me where had I been.

Hi – no, you would have to say: “He asked me where I had been.”

Sara Willson

can someone cover this please:

“When do the shops close?” I asked.

I asked when the shops closed.

please can you tell me what is the reported speech of “what was the last book you read? “….please it is very important

AHMED KOHARI

he/she asked me what the last book I read was?

He asked what book I read last

Hi I have a question, my English teacher said we never inverted the subjects in the reported questions. But in your work I saw that you are inverted the subjects in that reported question. Can you tell me why you do this?

Hi , in my book there is exercise that want change sentence from Reported question sentence to direct question My question is ( in past perfect sentence ) how I know that this sentence change to past simple or present perfect. Because both of them in direct speech change to past perfect .

Hi, can you write here the sentence that you need to change?

can you convert this? the student said, “would that my results were different”

It’s very informative… It helped me a lot… Thank you

Hi Yazan She asked me what the last book I read was.

Here’s an example, without the subject and auxiliary inverted first, and then with them inverted:

1. He asked me where was I going. 2. He asked me where I was going.

The second example, with the inversion, is correct for reported speech.

However, you could say the first one like this: 1. He asked me: “Where was I going?”

This is in quite common use in spoken English, and anything which is in common use is acceptable. It’s really a mix of direct and reported speech. With kind of use we would expect just direct speech: 1. He asked me: “Where are you going?”

But as I say, anything which is in common use is acceptable, but may not be “correct” in written English or in tests and exams.

Hope this helps.

Leave your comment (Cancel Reply)

SpeakUp resources

Reported speech rules in english.

• By Matthew Jones

Talking about what someone else has already said, also known as reported speech, involves a few special grammar rules in English.

How you form reported speech will largely depend on what was said and when it was said. Unfortunately, you can’t always repeat back what you hear verbatim (using exactly the same words)!

So, how should you report speech in English? What are the grammar rules that dictate these indirect speech patterns? Finally, what are some examples of reported speech? We will answer all of these questions and more, but first, let’s take a look at exactly what is meant by “reported speech.”

Prefer to watch this lesson on video? Here’s our full length tutorial on Reported Speech Rules in English:

Reported Speech Rules in English:

What is reported speech?

Reported speech simply refers to statements that recount what someone else has already said or asked. For example, let’s say that you and your two friends went to the movies. As you’re leaving the movie theater, the following conversation takes place:

Friend #1: That movie was really scary!

You: I know, right?

Friend #2: What did he say?

You: He said that the movie was really scary.

The last sentence is what is known as “reported speech,” because you reported something that someone else said. In most cases, a statement of reported speech uses verbs like “say” or “tell,” though you can also use verbs like “state,” “proclaim,” or “announce,” depending on the context of the original statement.

In any case, this is just one example of reported speech in the simple past tense. Different rules apply based on the verb tense and the content of the statement. First, let’s look at how reported speech statements work in the simple present tense:

Reporting Statements in the Simple Present Tense

If you report a statement using the simple present tense (say, tell, etc), then you can also leave the original statement in the present tense. Here are a few examples:

• I like basketball -> They say that they like basketball.
• He wants to visit Paris -> He tells me that he wants to visit Paris.
• I watch TV every day -> She says she watches TV every day.

As you can see, both the reporting verb and the reported verb remain in the simple present tense. It is also important to note that, regardless of the tense, the word “that” is completely optional in reported speech. The meaning stays the same with or without it.

Reporting Statements in Other Tenses

Generally, when the reporting verb is in the simple past tense, we change the reported verb as well. For example:

• Statement: I feel sad.
• Reported Speech: He said he felt sad.

Since reported speech is reported after the fact, the reporting verb is usually in the simple past tense. This means that you will usually need to change the tense of the second clause. For example:

How to Change Tenses in Reported Speech

As you can see, the rules governing how to report speech can vary based on the tense of the original statement. Generally, you can’t go wrong if you follow these guidelines (from the original statement to reported speech):

• Simple Present -> Simple Past
• Present Continuous -> Past Continuous
• Present Perfect -> Past Perfect
• Simple Past -> Simple Past OR Past Perfect
• Past Continuous -> Past Perfect Continuous
• Simple Future -> “will” becomes “would”
• Future Continuous -> “will” becomes “would”
• Future Perfect -> “will” becomes “would”
• Present Perfect Continuous -> Past Perfect Continuous
• Past Perfect Continuous -> Past Perfect Continuous
• Future Perfect Continuous -> Future Perfect Continuous

That said, there are some exceptions in the present tense. For example, if the original statement is comprised of general information that is unchanging, you don’t need to report it in the past tense. Here are a few examples:

• Simple Present : Water freezes at 0 degrees Celsius. -> He said that water freezes at zero degrees Celcius.
• Present Continuous : The planet is rotating around the sun. -> She said that the planet is rotating around the sun.
• Present Perfect : Human beings have always liked dogs. -> He said that human beings have always liked dogs.

Reporting Questions

Reporting statements is relatively straightforward, as it usually just requires the second clause to change tense (sometimes not even that). However, reporting questions is more complex. First of all, when you report a question, you cannot just repeat the original question. Instead, you must turn it into a statement. Here’s an example question:

Do you have a lighter?

If you want to report this question later, you’ll need to change it, like so:

They asked me if I had a lighter.

Thankfully, once you learn the guidelines for reporting statements, you can apply many of the same rules to reporting questions. All of the tense changes are the same:

• Note: For “Yes/No” questions, we change “do” or “does” to “if.”
• Present Continuous : Are you running errands today? -> She asked if I was running errands today.
• Present Perfect : Have you spoken to her? -> He asked if I had spoken to her.
• Simple Past : Did you believe the story? -> She asked if I believed the story.
• Past Continuous : How were you behaving? -> He asked me how I was behaving.
• Simple Future : Will you go shopping later? -> She asked me if I would go shopping later.
• Future Continuous : Will you be cooking tonight? -> He asked me if I would be cooking tonight.
• Future Perfect : Will you have received your diploma by then? -> She asked if I would have received my diploma by then.
• Present Perfect Continuous – Have you been doing your homework? -> He asked me if I had been doing my homework.
• Past Perfect Continuous – How long had you been sleeping? -> She asked me how long I had been sleeping.
• Future Perfect Continuous – Will you have been travelling? -> He asked if I would have been travelling.

Requests and Demands

To keep things simple, requests are treated the same as questions when reported to someone else. For example:

• Please sit down . -> He asked me to sit down.
• Could you open the door for me? -> She asked if I could open the door for her?
• Would you mind holding my bag? -> He asked if I would mind holding his bag.

However, if someone demands something, we generally report the speech using “told” instead of “asked” or “said.” Here are some commands in reported speech:

• Be quiet! -> She told me to be quiet.
• Don’t touch that! -> He told me not to touch that.
• Brush your teeth. -> She told me to brush my teeth.

Finally, when reporting speech, you must always consider the time in which the original statement was made. If a time is mentioned within the statement, you will also have to consider how that time relates to the current moment.

You have a doctor’s appointment on Tuesday.

For example, let’s say that the statement above was reported to you a few days prior, but you reported it to someone else on Monday (the day before the appointment). You could say either of the following:

She told me that I have a doctor’s appointment on Tuesday , or

She told me that I have a doctor’s appointment tomorrow.

Here are a few more time conversions to help you with reported speech:

• Call your father right now. -> She told me to call my father right then.
• I saw you at the movies last night. -> He said he saw me at the movies the night before .
• Were you at school last week? -> She asked if I had been at school the week prior .
• Can I talk to you tomorrow? -> He asked if he could talk to me the next day .

Reported Speech Exercises

Now that you have a better understanding of reported speech in English, it’s time to practice! Fortunately, there are a number of ways to practice reported speech in daily conversation. So, here are a few free online resources to help you get the hang of it:

• Reported Speech Statements
• Reported Speech Questions
• B1 Grammar Reported Speech Quiz
• B2 Grammar Reported Speech Quiz

Lastly, if you’d like to learn more about reported speech or find a highly qualified English tutor online to help guide you, visit Magoosh Speaking today!

Matthew Jones

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Related Posts

• Reported speech
• Upper-intermediate grammar exercise (B2 level): word order in reported speech sentences
• Structures of reported speech
• Verb structures in English
• Upper-intermediate grammar exercise (B2 level): reported speech
• Word order in indirect questions
• Qualifiers: how to sound more polite in a business meeting
• Intermediate grammar exercise (B1 level): present perfect simple or continuous 2
• Elementary grammar exercise (A1 level): present simple questions, negatives (do, does, don’t) ex. 2
• Intermediate grammar exercise (B1 level): word order in questions and indirect questions

Reported Speech (Indirect Speech)

Exercises on reported speech.

If we report what another person has said, we usually do not use the speaker’s exact words (direct speech), but reported (indirect) speech. Therefore, you need to learn how to transform direct speech into reported speech. The structure is a little different depending on whether you want to transform a statement, question or request.

When transforming statements, check whether you have to change:

• present tense verbs (3rd person singular)
• place and time expressions
• tenses (backshift)

→ more on statements in reported speech

When transforming questions, check whether you have to change:

Also note that you have to:

• transform the question into an indirect question
• use the interrogative or if / whether

→ more on questions in reported speech

→ more on requests in reported speech

Additional Information and Exeptions

Apart from the above mentioned basic rules, there are further aspects that you should keep in mind, for example:

• main clauses connected with and / but
• tense of the introductory clause
• reported speech for difficult tenses
• exeptions for backshift
• requests with must , should , ought to and let’s

→ more on additional information and exeptions in reported speech

Statements in Reported Speech

• no backshift – change of pronouns
• no backshift – change of pronouns and places
• with backshift
• with backshift and change of place and time expressions

Questions in Reported Speech

Requests in reported speech.

• Exercise 1 – requests (positive)
• Exercise 2 – requests (negative)
• Exercise 3 – requests (mixed)

Mixed Exercises on Reported Speech

• Exercise on reported speech with and without backshift

Grammar in Texts

• „ The Canterville Ghost “ (highlight direct speech and reported speech)

What is Reported Speech and how to use it? with Examples

Published by

Olivia Drake

Reported speech and indirect speech are two terms that refer to the same concept, which is the act of expressing what someone else has said.

On this page:

Reported speech is different from direct speech because it does not use the speaker’s exact words. Instead, the reporting verb is used to introduce the reported speech, and the tense and pronouns are changed to reflect the shift in perspective. There are two main types of reported speech: statements and questions.

1. Reported Statements: In reported statements, the reporting verb is usually “said.” The tense in the reported speech changes from the present simple to the past simple, and any pronouns referring to the speaker or listener are changed to reflect the shift in perspective. For example, “I am going to the store,” becomes “He said that he was going to the store.”

2. Reported Questions: In reported questions, the reporting verb is usually “asked.” The tense in the reported speech changes from the present simple to the past simple, and the word order changes from a question to a statement. For example, “What time is it?” becomes “She asked what time it was.”

It’s important to note that the tense shift in reported speech depends on the context and the time of the reported speech. Here are a few more examples:

• Direct speech: “I will call you later.”Reported speech: He said that he would call me later.
• Direct speech: “Did you finish your homework?”Reported speech: She asked if I had finished my homework.
• Direct speech: “I love pizza.”Reported speech: They said that they loved pizza.

When do we use reported speech?

Reported speech is used to report what someone else has said, thought, or written. It is often used in situations where you want to relate what someone else has said without quoting them directly.

Reported speech can be used in a variety of contexts, such as in news reports, academic writing, and everyday conversation. Some common situations where reported speech is used include:

News reports:  Journalists often use reported speech to quote what someone said in an interview or press conference.

Business and professional communication:  In professional settings, reported speech can be used to summarize what was discussed in a meeting or to report feedback from a customer.

Conversational English:  In everyday conversations, reported speech is used to relate what someone else said. For example, “She told me that she was running late.”

Narration:  In written narratives or storytelling, reported speech can be used to convey what a character said or thought.

How to make reported speech?

1. Change the pronouns and adverbs of time and place: In reported speech, you need to change the pronouns, adverbs of time and place to reflect the new speaker or point of view. Here’s an example:

Direct speech: “I’m going to the store now,” she said. Reported speech: She said she was going to the store then.

In this example, the pronoun “I” is changed to “she” and the adverb “now” is changed to “then.”

2. Change the tense: In reported speech, you usually need to change the tense of the verb to reflect the change from direct to indirect speech. Here’s an example:

Direct speech: “I will meet you at the park tomorrow,” he said. Reported speech: He said he would meet me at the park the next day.

In this example, the present tense “will” is changed to the past tense “would.”

3. Change reporting verbs: In reported speech, you can use different reporting verbs such as “say,” “tell,” “ask,” or “inquire” depending on the context of the speech. Here’s an example:

Direct speech: “Did you finish your homework?” she asked. Reported speech: She asked if I had finished my homework.

In this example, the reporting verb “asked” is changed to “said” and “did” is changed to “had.”

Overall, when making reported speech, it’s important to pay attention to the verb tense and the changes in pronouns, adverbs, and reporting verbs to convey the original speaker’s message accurately.

How do I change the pronouns and adverbs in reported speech?

1. Changing Pronouns: In reported speech, the pronouns in the original statement must be changed to reflect the perspective of the new speaker. Generally, the first person pronouns (I, me, my, mine, we, us, our, ours) are changed according to the subject of the reporting verb, while the second and third person pronouns (you, your, yours, he, him, his, she, her, hers, it, its, they, them, their, theirs) are changed according to the object of the reporting verb. For example:

Direct speech: “I love chocolate.” Reported speech: She said she loved chocolate.

Direct speech: “You should study harder.” Reported speech: He advised me to study harder.

Direct speech: “She is reading a book.” Reported speech: They noticed that she was reading a book.

2. Changing Adverbs: In reported speech, the adverbs and adverbial phrases that indicate time or place may need to be changed to reflect the perspective of the new speaker. For example:

Direct speech: “I’m going to the cinema tonight.” Reported speech: She said she was going to the cinema that night.

Direct speech: “He is here.” Reported speech: She said he was there.

Note that the adverb “now” usually changes to “then” or is omitted altogether in reported speech, depending on the context.

It’s important to keep in mind that the changes made to pronouns and adverbs in reported speech depend on the context and the perspective of the new speaker. With practice, you can become more comfortable with making these changes in reported speech.

How do I change the tense in reported speech?

In reported speech, the tense of the reported verb usually changes to reflect the change from direct to indirect speech. Here are some guidelines on how to change the tense in reported speech:

Present simple in direct speech changes to past simple in reported speech. For example: Direct speech: “I like pizza.” Reported speech: She said she liked pizza.

Present continuous in direct speech changes to past continuous in reported speech. For example: Direct speech: “I am studying for my exam.” Reported speech: He said he was studying for his exam.

Present perfect in direct speech changes to past perfect in reported speech. For example: Direct speech: “I have finished my work.” Reported speech: She said she had finished her work.

Past simple in direct speech changes to past perfect in reported speech. For example: Direct speech: “I visited my grandparents last weekend.” Reported speech: She said she had visited her grandparents the previous weekend.

Will in direct speech changes to would in reported speech. For example: Direct speech: “I will help you with your project.” Reported speech: He said he would help me with my project.

Can in direct speech changes to could in reported speech. For example: Direct speech: “I can speak French.” Reported speech: She said she could speak French.

Remember that the tense changes in reported speech depend on the tense of the verb in the direct speech, and the tense you use in reported speech should match the time frame of the new speaker’s perspective. With practice, you can become more comfortable with changing the tense in reported speech.

Do I always need to use a reporting verb in reported speech?

No, you do not always need to use a reporting verb in reported speech. However, using a reporting verb can help to clarify who is speaking and add more context to the reported speech.

In some cases, the reported speech can be introduced by phrases such as “I heard that” or “It seems that” without using a reporting verb. For example:

Direct speech: “I’m going to the cinema tonight.” Reported speech with a reporting verb: She said she was going to the cinema tonight. Reported speech without a reporting verb: It seems that she’s going to the cinema tonight.

However, it’s important to note that using a reporting verb can help to make the reported speech more formal and accurate. When using reported speech in academic writing or journalism, it’s generally recommended to use a reporting verb to make the reporting more clear and credible.

Some common reporting verbs include say, tell, explain, ask, suggest, and advise. For example:

Direct speech: “I think we should invest in renewable energy.” Reported speech with a reporting verb: She suggested that they invest in renewable energy.

Overall, while using a reporting verb is not always required, it can be helpful to make the reported speech more clear and accurate

How to use reported speech to report questions and commands?

1. Reporting Questions: When reporting questions, you need to use an introductory phrase such as “asked” or “wondered” followed by the question word (if applicable), subject, and verb. You also need to change the word order to make it a statement. Here’s an example:

Direct speech: “What time is the meeting?” Reported speech: She asked what time the meeting was.

Note that the question mark is not used in reported speech.

2. Reporting Commands: When reporting commands, you need to use an introductory phrase such as “ordered” or “told” followed by the person, to + infinitive, and any additional information. Here’s an example:

Direct speech: “Clean your room!” Reported speech: She ordered me to clean my room.

Note that the exclamation mark is not used in reported speech.

In both cases, the tense of the reported verb should be changed accordingly. For example, present simple changes to past simple, and future changes to conditional. Here are some examples:

Direct speech: “Will you go to the party with me?”Reported speech: She asked if I would go to the party with her. Direct speech: “Please bring me a glass of water.”Reported speech: She requested that I bring her a glass of water.

Remember that when using reported speech to report questions and commands, the introductory phrases and verb tenses are important to convey the intended meaning accurately.

How to make questions in reported speech?

To make questions in reported speech, you need to use an introductory phrase such as “asked” or “wondered” followed by the question word (if applicable), subject, and verb. You also need to change the word order to make it a statement. Here are the steps to make questions in reported speech:

Identify the reporting verb: The first step is to identify the reporting verb in the sentence. Common reporting verbs used to report questions include “asked,” “inquired,” “wondered,” and “wanted to know.”

Change the tense and pronouns: Next, you need to change the tense and pronouns in the sentence to reflect the shift from direct to reported speech. The tense of the verb is usually shifted back one tense (e.g. from present simple to past simple) in reported speech. The pronouns should also be changed as necessary to reflect the shift in perspective from the original speaker to the reporting speaker.

Use an appropriate question word: If the original question contained a question word (e.g. who, what, where, when, why, how), you should use the same question word in the reported question. If the original question did not contain a question word, you can use “if” or “whether” to introduce the reported question.

Change the word order: In reported speech, the word order of the question changes from the inverted form to a normal statement form. The subject usually comes before the verb, unless the original question started with a question word.

Here are some examples of reported questions:

Direct speech: “Did you finish your homework?”Reported speech: He wanted to know if I had finished my homework. Direct speech: “Where are you going?”Reported speech: She wondered where I was going.

Remember that when making questions in reported speech, the introductory phrases and verb tenses are important to convey the intended meaning accurately.

Here you can find more examples of direct and indirect questions

What is the difference between reported speech an indirect speech?

In reported or indirect speech, you are retelling or reporting what someone said using your own words. The tense of the reported speech is usually shifted back one tense from the tense used in the original statement. For example, if someone said, “I am going to the store,” in reported speech you would say, “He/she said that he/she was going to the store.”

The main difference between reported speech and indirect speech is that reported speech usually refers to spoken language, while indirect speech can refer to both spoken and written language. Additionally, indirect speech is a broader term that includes reported speech as well as other ways of expressing what someone else has said, such as paraphrasing or summarizing.

Examples of direct speech to reported

• Direct speech: “I am hungry,” she said. Reported speech: She said she was hungry.
• Direct speech: “Can you pass the salt, please?” he asked. Reported speech: He asked her to pass the salt.
• Direct speech: “I will meet you at the cinema,” he said. Reported speech: He said he would meet her at the cinema.
• Direct speech: “I have been working on this project for hours,” she said. Reported speech: She said she had been working on the project for hours.
• Direct speech: “What time does the train leave?” he asked. Reported speech: He asked what time the train left.
• Direct speech: “I love playing the piano,” she said. Reported speech: She said she loved playing the piano.
• Direct speech: “I am going to the grocery store,” he said. Reported speech: He said he was going to the grocery store.
• Direct speech: “Did you finish your homework?” the teacher asked. Reported speech: The teacher asked if he had finished his homework.
• Direct speech: “I want to go to the beach,” she said. Reported speech: She said she wanted to go to the beach.
• Direct speech: “Do you need help with that?” he asked. Reported speech: He asked if she needed help with that.
• Direct speech: “I can’t come to the party,” he said. Reported speech: He said he couldn’t come to the party.
• Direct speech: “Please don’t leave me,” she said. Reported speech: She begged him not to leave her.
• Direct speech: “I have never been to London before,” he said. Reported speech: He said he had never been to London before.
• Direct speech: “Where did you put my phone?” she asked. Reported speech: She asked where she had put her phone.
• Direct speech: “I’m sorry for being late,” he said. Reported speech: He apologized for being late.
• Direct speech: “I need some help with this math problem,” she said. Reported speech: She said she needed some help with the math problem.
• Direct speech: “I am going to study abroad next year,” he said. Reported speech: He said he was going to study abroad the following year.
• Direct speech: “Can you give me a ride to the airport?” she asked. Reported speech: She asked him to give her a ride to the airport.
• Direct speech: “I don’t know how to fix this,” he said. Reported speech: He said he didn’t know how to fix it.
• Direct speech: “I hate it when it rains,” she said. Reported speech: She said she hated it when it rained.

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Reported Speech in English Grammar

Direct speech, changing the tense (backshift), no change of tenses, question sentences, demands/requests, expressions with who/what/how + infinitive, typical changes of time and place.

• Lingolia Plus English

Introduction

In English grammar, we use reported speech to say what another person has said. We can use their exact words with quotation marks , this is known as direct speech , or we can use indirect speech . In indirect speech , we change the tense and pronouns to show that some time has passed. Indirect speech is often introduced by a reporting verb or phrase such as ones below.

Learn the rules for writing indirect speech in English with Lingolia’s simple explanation. In the exercises, you can test your grammar skills.

When turning direct speech into indirect speech, we need to pay attention to the following points:

• changing the pronouns Example: He said, “ I saw a famous TV presenter.” He said (that) he had seen a famous TV presenter.
• changing the information about time and place (see the table at the end of this page) Example: He said, “I saw a famous TV presenter here yesterday .” He said (that) he had seen a famous TV presenter there the day before .
• changing the tense (backshift) Example: He said, “She was eating an ice-cream at the table where you are sitting .” He said (that) she had been eating an ice-cream at the table where I was sitting .

If the introductory clause is in the simple past (e.g. He said ), the tense has to be set back by one degree (see the table). The term for this in English is backshift .

The verbs could, should, would, might, must, needn’t, ought to, used to normally do not change.

If the introductory clause is in the simple present , however (e.g. He says ), then the tense remains unchanged, because the introductory clause already indicates that the statement is being immediately repeated (and not at a later point in time).

In some cases, however, we have to change the verb form.

When turning questions into indirect speech, we have to pay attention to the following points:

• As in a declarative sentence, we have to change the pronouns, the time and place information, and set the tense back ( backshift ).
• Instead of that , we use a question word. If there is no question word, we use whether / if instead. Example: She asked him, “ How often do you work?” → She asked him how often he worked. He asked me, “Do you know any famous people?” → He asked me if/whether I knew any famous people.
• We put the subject before the verb in question sentences. (The subject goes after the auxiliary verb in normal questions.) Example: I asked him, “ Have you met any famous people before?” → I asked him if/whether he had met any famous people before.
• We don’t use the auxiliary verb do for questions in indirect speech. Therefore, we sometimes have to conjugate the main verb (for third person singular or in the simple past ). Example: I asked him, “What do you want to tell me?” → I asked him what he wanted to tell me.
• We put the verb directly after who or what in subject questions. Example: I asked him, “ Who is sitting here?” → I asked him who was sitting there.

We don’t just use indirect questions to report what another person has asked. We also use them to ask questions in a very polite manner.

When turning demands and requests into indirect speech, we only need to change the pronouns and the time and place information. We don’t have to pay attention to the tenses – we simply use an infinitive .

If it is a negative demand, then in indirect speech we use not + infinitive .

To express what someone should or can do in reported speech, we leave out the subject and the modal verb and instead we use the construction who/what/where/how + infinitive.

Say or Tell?

The words say and tell are not interchangeable. say = say something tell = say something to someone

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• English Grammar
• Reported Speech

Reported Speech - Definition, Rules and Usage with Examples

Reported speech or indirect speech is the form of speech used to convey what was said by someone at some point of time. This article will help you with all that you need to know about reported speech, its meaning, definition, how and when to use them along with examples. Furthermore, try out the practice questions given to check how far you have understood the topic.

Table of Contents

Definition of reported speech, rules to be followed when using reported speech, table 1 – change of pronouns, table 2 – change of adverbs of place and adverbs of time, table 3 – change of tense, table 4 – change of modal verbs, tips to practise reported speech, examples of reported speech, check your understanding of reported speech, frequently asked questions on reported speech in english, what is reported speech.

Reported speech is the form in which one can convey a message said by oneself or someone else, mostly in the past. It can also be said to be the third person view of what someone has said. In this form of speech, you need not use quotation marks as you are not quoting the exact words spoken by the speaker, but just conveying the message.

Now, take a look at the following dictionary definitions for a clearer idea of what it is.

Reported speech, according to the Oxford Learner’s Dictionary, is defined as “a report of what somebody has said that does not use their exact words.” The Collins Dictionary defines reported speech as “speech which tells you what someone said, but does not use the person’s actual words.” According to the Cambridge Dictionary, reported speech is defined as “the act of reporting something that was said, but not using exactly the same words.” The Macmillan Dictionary defines reported speech as “the words that you use to report what someone else has said.”

Reported speech is a little different from direct speech . As it has been discussed already, reported speech is used to tell what someone said and does not use the exact words of the speaker. Take a look at the following rules so that you can make use of reported speech effectively.

• The first thing you have to keep in mind is that you need not use any quotation marks as you are not using the exact words of the speaker.
• You can use the following formula to construct a sentence in the reported speech.
• You can use verbs like said, asked, requested, ordered, complained, exclaimed, screamed, told, etc. If you are just reporting a declarative sentence , you can use verbs like told, said, etc. followed by ‘that’ and end the sentence with a full stop . When you are reporting interrogative sentences, you can use the verbs – enquired, inquired, asked, etc. and remove the question mark . In case you are reporting imperative sentences , you can use verbs like requested, commanded, pleaded, ordered, etc. If you are reporting exclamatory sentences , you can use the verb exclaimed and remove the exclamation mark . Remember that the structure of the sentences also changes accordingly.
• Furthermore, keep in mind that the sentence structure , tense , pronouns , modal verbs , some specific adverbs of place and adverbs of time change when a sentence is transformed into indirect/reported speech.

Transforming Direct Speech into Reported Speech

As discussed earlier, when transforming a sentence from direct speech into reported speech, you will have to change the pronouns, tense and adverbs of time and place used by the speaker. Let us look at the following tables to see how they work.

Here are some tips you can follow to become a pro in using reported speech.

• Select a play, a drama or a short story with dialogues and try transforming the sentences in direct speech into reported speech.
• Write about an incident or speak about a day in your life using reported speech.
• Develop a story by following prompts or on your own using reported speech.

Given below are a few examples to show you how reported speech can be written. Check them out.

• Santana said that she would be auditioning for the lead role in Funny Girl.
• Blaine requested us to help him with the algebraic equations.
• Karishma asked me if I knew where her car keys were.
• The judges announced that the Warblers were the winners of the annual acapella competition.
• Binsha assured that she would reach Bangalore by 8 p.m.
• Kumar said that he had gone to the doctor the previous day.
• Lakshmi asked Teena if she would accompany her to the railway station.
• Jibin told me that he would help me out after lunch.
• The police ordered everyone to leave from the bus stop immediately.
• Rahul said that he was drawing a caricature.

Transform the following sentences into reported speech by making the necessary changes.

1. Rachel said, “I have an interview tomorrow.”

2. Mahesh said, “What is he doing?”

3. Sherly said, “My daughter is playing the lead role in the skit.”

4. Dinesh said, “It is a wonderful movie!”

5. Suresh said, “My son is getting married next month.”

6. Preetha said, “Can you please help me with the invitations?”

7. Anna said, “I look forward to meeting you.”

8. The teacher said, “Make sure you complete the homework before tomorrow.”

9. Sylvester said, “I am not going to cry anymore.”

10. Jade said, “My sister is moving to Los Angeles.”

Now, find out if you have answered all of them correctly.

1. Rachel said that she had an interview the next day.

2. Mahesh asked what he was doing.

3. Sherly said that her daughter was playing the lead role in the skit.

4. Dinesh exclaimed that it was a wonderful movie.

5. Suresh said that his son was getting married the following month.

6. Preetha asked if I could help her with the invitations.

7. Anna said that she looked forward to meeting me.

8. The teacher told us to make sure we completed the homework before the next day.

9. Sylvester said that he was not going to cry anymore.

10. Jade said that his sister was moving to Los Angeles.

What is reported speech?

What is the definition of reported speech.

Reported speech, according to the Oxford Learner’s Dictionary, is defined as “a report of what somebody has said that does not use their exact words.” The Collins Dictionary defines reported speech as “speech which tells you what someone said, but does not use the person’s actual words.” According to the Cambridge Dictionary, reported speech is defined as “the act of reporting something that was said, but not using exactly the same words.” The Macmillan Dictionary defines reported speech as “the words that you use to report what someone else has said.”

What is the formula of reported speech?

You can use the following formula to construct a sentence in the reported speech. Subject said that (report whatever the speaker said)

Give some examples of reported speech.

Given below are a few examples to show you how reported speech can be written.

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• Reported Speech

Reported Speech How does it Work?

Indirect speech or Reported speech is just a way of expressing your intent in questions, statements or other phrases, without essentially quoting them outrightly as the way it is done in indirect speech.

Reported Speech Rules

To understand Reported Speech Grammar and Reported Verbs, you need to first understand reported speech rules and how it works. Here are some types of reported speech:

Reported Statements

Reported speech is used when someone says a sentence, like, "I'm going to the movie tonight". Later, we want to tell a 3rd person what the first person is doing.

It works like this:

We use a reporting verb i.e 'say' or 'tell'. In the present tense, just put in 'he says.

Direct Speech: I like burgers.

Reported Speech: He says (that) he likes burgers.

You don't need to change the tense, but you do need to switch the 'person' from 'I' to 'he’. You also need to change words like 'my' and 'your'.

But, in case the reporting verb is in the past tense, then change the tenses in the reported speech itself.

Reported Questions

Reported questions to go like 

Direct Speech: Where do you reside?

We make the change to reported speech by-

It is similar to reported statements. The tense changes are exact, and we keep the question’s word. But we need to change the grammar of that normal sentence into positive. For eg:

Reported Speech: He asked me where I resided.

The direct speech question is in the present simple tense. We make a present simple question with 'do' or 'does'. For that, I need to take that away. Then change the verb to the past simple. 

Direct Speech: Where is Jolly?

Reported Speech: He asked me where Jolly was.

The direct question is the present simple of 'be'. We change the question form of the present simple of being by changing the position of the subject and the verb. So, change them back before putting the verb into the past simple.

Here Are Some More Examples

Reported Requests

The reported speech goes a long way. What if a person asks you to do something politely or make a request? It’s called a reported request. For example

Direct Speech: Close the door, please / Could you close the door please? / Would you mind closing the door, please?

All these requests mean the same, so we don't need to report every word there when we tell a 3rd person about it. 

We can simply use 'ask me + to + infinitive':

Reported Speech: They asked me to close the door.

Direct Speech: Please be punctual.

Reported Speech: They asked us to be punctual.

Reported Orders

And lastly, how about when someone doesn't ask that politely? This is known as an 'order' in English, which is when someone tells you to do something pretty much directly. This is called a reported order. For example

Direct Speech: Stand up right now!

We make this into a reported speech in the same way as that for a request. Just use 'tell' rather than 'ask':

Reported Speech: She told me to stand up right now.

Time Expressions within the Ambit of Reported Speech

Sometimes when we want to change the direct speech into reported speech, we will have to change the time expressions too. We don't necessarily always have to do that. However, It depends on when we heard the speech in indirect form and when we said the speech in reported form. 

For Example,

It's Sunday. Kiran Ma’am says "I'm leaving today".

If You tell someone on Sunday, You will say "Kiran Ma’am said she was leaving today".

If you tell someone on Tuesday, You will say "Kiran Ma’am said she was leaving yesterday".

If you tell someone on Friday, you will say "Kiran Ma’am said she was leaving on Sunday ".

If you tell someone a month later, you will say "Kiran Ma’am said she was leaving that day".

So, technically there's no easy way to convert. You need to put in real effort and have to think about it when the direct speech is said.

Here's a Table of How Some Conversions can be Made 

now can be converted to then / at that time

today can be converted to yesterday / that day / Tuesday / the 27 th of June

yesterday can be converted to the day before yesterday / the day before / Wednesday / the 5th of December

last night can be converted to the night before, Thursday night

last week can be converted to the week before / the previous week

tomorrow can be converted to today / the next day / the following day / Friday

Now Let us Check our Understanding Through this Table

This is all about reported speech. English grammar is a tricky thing given both the rules and practice. Reading these rules solely will not help you to get a strong grasp of them. You also have to practice reported speech sentences in practical life to know how and when they can be used.

FAQs on Reported Speech

1. How to convert present tenses to reported speech and give some examples.

There are certain rules to follow while converting sentences to reported speech. We need to manage tenses also.

Usually, the present sentences change to simple past tense.

Ex: I do yoga every morning

She said that she did yoga every morning.

I play cricket a lot

He said that he played cricket a lot 

Usually The present continuous tense changes to the past continuous tense. 

Ex: My friend is watching a movie.

She said that her friend was watching a movie.

We are eating dinner

They said that they were eating dinner.

Usually, the  Present Perfect Tense changes into Past Perfect Tense

Ex: I have been to the USA

She told me that she had been to the USA.

She has finished her task.

She said that she had finished her task.

Usually the Present Perfect Progressive Tense changes into Past Perfect Tense

2. How to convert present tenses to reported speech and give some examples.

Usually the Past Simple Tense changes into the Past Perfect Tense.

Ex: He arrived on Friday

He said that he had arrived on Friday.

My mom enjoyed the stay here

He said that his mom had enjoyed the stay there.

Usually, the Past Progressive Tense changes into the Perfect Continuous Tense

Ex: I was playing the cricket

He said that he had been playing cricket.

My husband was cooking

She said that her husband had been cooking.

Usually, the Past Perfect Tense doesn’t change.

Ex: She had worked hard.

She said that she had worked hard.

And also the Past Perfect Progressive Tense doesn’t change.

3. State the rules for conversion of future tenses into reported speech

There are rules to follow while converting the future tenses to reported speech.

In general, the Future Simple Tense changes into would. And also the future Progressive Tense changes into “would be”. The Future Perfect Tense changes into “would have”. The Future Perfect Progressive Tense changes into “would have been”.

Ex: I will be attending the wedding.

She said that she would be attending the wedding.

4. Give examples for conversion of  ‘can ‘, ‘can’t’ and ‘will’,’’won’t’ 

5. Give some examples for reported requests and reported orders.  

Indirect Questions

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• 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?

Word of the Day

have your head in the clouds

to not know the facts of a situation

Apples and oranges (Talking about differences, Part 2)

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Get the latest celebrity news and entertainment news with exclusive stories, interviews, and pictures from Us Weekly.

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General election latest: National service 'will keep young people out of trouble', says PM - but laughs off idea of extra bank holiday

Labour's shadow chancellor Rachel Reeves has delivered her first major speech of the general election campaign, while Rishi Sunak continues to sing the virtues of his national service policy proposal.

Tuesday 28 May 2024 12:50, UK

• General Election 2024

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Election news

• PM says national service 'will keep young people out of trouble'
• Sunak laughs off voter's idea of bank holiday for St George's Day
• Reeves makes pitch to be next chancellor in major speech
• 'Not embarrassing': Minister shrugs off pro-Labour business letter
• Farage says Sunak 'can't stop boats' and stands by Islam remarks
• Watch moment Lib Dem leader toppled into lake
• Live reporting by  Ben Bloch

Expert analysis

• Tamara Cohen: The one point Labour will keep on hammering
• Rob Powell : Why latest Tory tax cut pledge is tricky for Labour

Election essentials

• Trackers: Who's leading polls? | Is PM keeping promises?
• Campaign Heritage: Memorable moments from elections gone by
• 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

Rishi Sunak is asked about one of the big talking points of the election thus far - his national service policy.

The prime minister says when it comes to service, "doing something that provides young people with skills and opportunities will transform their lives".

"I believe service gives you purpose," he says.

He also says it will be a "rite of passage" for young people that "just keeps them out of trouble".

He adds: "Whatever you might think of this idea, I hope you can see it is bold.

"It is transformational for our country."

UK 'has not prioritised maths' enough

He's also asked what the Tories will do to the education system to ensure skills gaps are filled.

The PM says "education is the most powerful way that we have to transform people's lives".

"I've been going on for a while now about the need for our society to prioritise maths because we're not going to be able to train people in the skills of the future, the jobs of the future, particularly in things like material science and engineering, unless we have more maths," he says.

"And we as a country have not prioritised maths in the way that we should have done."

He says he has created a new bursary for teachers who teach STEM subjects like maths.

We heard a short while ago from Reform's only MP, Lee Anderson, and we asked what they would do to stop small boat crossings.

He replied that Nigel Farage and leader Richard Tice have been very clear, as has he over the last few years - and that the plan is to turn them back in the Channel, adding: "They need to be sent back the same day."

He said he spoke directly to people in migrant camps in Calais last year, and he claimed they told him that if the boats were being turned around, or they knew they'd be sent to a third country for processing, they would not make the journey.

"There's the deterrent - it's very simple."

Mr Anderson conceded that Reform UK will not form a majority government to implement the policy, but said: "We are going to win seats".

He said the popular vote will be "crucial", saying: "If we can get millions of people to vote Reform - even in places where we might not win or have a chance - it sends out a clear message to the Labour Party and the Conservative Party that the people in this great country of ours are very, very angry."

We've just had a Conservative Party response to the speech by shadow chancellor Rachel Reeves setting out her plans to grow the economy ( see the key points here ).

Work and Pensions Secretary Mel Stride said in a statement: "Labour will not match our commitment to increase personal tax thresholds for pensioners and will instead raise taxes by £2,094 on hard-working families.

"They do not have the courage or conviction to name a single tax they would cut."

It was the Conservative government that froze income tax thresholds, but he labelled Ms Reeves' refusal to commit to unfreezing them for pensioners a "retirement tax".

He added: "Only Rishi Sunak and the Conservatives have a clear plan, backed by bold action, to end the double tax on work and ensure pensioners who have worked hard their entire lives will have a new tax-free threshold to protect them."

The PM is "fine-tuning his pitch on bedrock Conservative issues", our political correspondent  Rob Powell says.

He says the PM is "really re-emphasising" some of his core themes like security and the economy during his campaign.

"I think this is the sort of format where Rishi Sunak does pretty well," he says of the Q&A he just held in Stoke-on-Trent (see previous posts).

"With the questions, he was across a lot of the detail, and he spoke about things like a technical education and giving people the skills they need to fill skills gaps."

Rob says he also talked about the triple lock pensions allowance announced by the Tories if they win the general election.

"I think the intention of that is very clearly to appeal to traditional Tory voters," he explains.

He goes on to say the PM is "venturing into some of the constituencies which will decide this election".

He spent yesterday in Tory strongholds under threat from the Lib Dems, while today is focused more on seats targeted by Labour.

"Of course it will be these constituencies that decide who is victorious come polling day," Rob adds.

"And I think that is why he is fine-tuning his pitch on those bedrock Conservative issues."

Rishi Sunak is asked why there is no bank holiday for St George's Day - and he bursts out laughing.

He replies that he is "asked this a lot" and "we all love to have days off".

But he says there are "lots of things that come along" in terms of the impact of bank holidays.

On the broader point, the PM says the gentleman was highlighting "taking a moment to celebrate and be proud of who we are and our country".

"Whether we need a bank holiday for that is a separate thing, but we should never be ashamed of our identity, of who we are as a country."

He goes on to say that there are "forces trying to divide us" and "trying to emphasise all the differences".

"I think that's sad," says, adding that it is "wrong" to say that we "should be ashamed of part of our history and our past".

"Of course no country is perfect, but I'm enormously proud of what our country has done for everyone, not just here but around the world."

The PM adds that we should be "proud of that" every day, not just on bank holidays.

He touts himself and his family as a key example, saying he is "enormously proud of what we stand for, I'm enormously proud of what we've achieved".

Rishi Sunak is out and about campaigning today, and this morning he is in Stoke-on-Trent delivering a campaign speech at a local business.

He said it is local businesses that means "Brexit Britain" has "powered ahead of the Netherlands, France, and Germany" to become "the fourth-largest exporter anywhere in the world".

The PM also thanked local Tory MP Jonathan Gullis, saying there is "no more vocal - some would say gobby - champion of Stoke-on-Trent in Westminster".

'I had your back'

More broadly, Mr Sunak acknowledged that "the last few years have been tough", pointing to the COVID pandemic and the war in Ukraine, but added: "I hope you saw during that time that I had your back."

He pointed to the furlough scheme and energy bill support, adding: "With all your resilience, hard work, and sacrifice, [we] have got through it."

The PM said inflation is down, wages are rising, the economy is growing, and the UK economy has "turned a corner" and "the plan is working".

In response to Labour saying they will bring stability back to government, the PM said the Tories have "restored economic stability because that's what you get with me, that's what you get with the Conservatives", and added that they will "always prioritise that".

Labour 'taking country for granted'

Turning to the election, he said the "choice" at the election is about "who do you trust to build on that foundation" for the future.

"The only certainty you're going to get with the Labour Party is that they're going to run out of money and put up your taxes - as clear as night follows day."

Mr Sunak also argued the world is a much more dangerous place, and "these uncertain times call for a bold plan, clear action so that we can secure the future of our country".

He touted his Rwanda plan, saying countries across Europe are considering similar schemes, but "not Keir Starmer", claiming he will "offer an amnesty to illegal migrants", making the UK a "magnet".

The PM claimed the Labour leader did not offer "a single new idea" in his speech yesterday because "he's taking the country for granted... without having the courage to tell you about his plans".

He closed by saying he will offer a "secure future" and appeals for voters to back his plan.

While Rachel Reeves was delivering a speech on the economy and Labour's plans to trigger more growth - the Liberal Democrat leader was out paddleboarding!

Sir Ed Davey knows that he has a challenge getting his party near the top of the news agenda, so one way of doing that is with entertaining photo opportunities and stunts - very much a Lib Dem tradition.

But more seriously, Lake Windermere has been the site of sewage dumping, and he wants to highlight that as part of the campaign to get the local vote.

We've just been hearing from our political correspondent Tamara Cohen  who attended shadow chancellor Rachel Reeves' speech in Derby.

The key takeaway she took from the speech was that "Labour is the party of business".

"Labour feel they can't say that enough or provide enough reassurance on that front."

The letter from over 120 business leaders backing Labour is "a sign of how far they've come", and a key argument is that Labour is now the "party of business".

Tamara also noted that Ms Reeves dodged a question from Sky's deputy political editor Sam Coates  about why no current FTSE 100 chief executives had signed the letter, however ( see post at 10.43 ).

The rest of the speech, she said, was an "attack on the Tories" and an effort to dismantle Rishi Sunak's arguments that the economy has done well, despite COVID and the war in Ukraine, by arguing that it is not resilient enough.

The Liz Truss mini-budget, and the consequences of it, will be "a point that Labour will hammering a lot during this campaign".

Tamara summarised the speech as saying: "Labour is the party of business, the Conservatives not the victims of events, but actually, she says, making those events have a worse impact on living standards than they needed to."

Nigel Farage, the honorary president of the Reform UK party, is also out and about on the campaign trail today.

He has been delivering a speech in Dover.

The former UKIP leader is aiming to challenge the Conservatives across England.

Mr Farage has decided against standing at the election, but looks set to play a prominent role in the Reform UK campaign.

Immigration - both illegal and legal - is a central focus of the Reform campaign.

He claims that Rishi Sunak's plans to tackle illegal migration "can't stop the boats" - and rubbishes the Rwanda scheme as unworkable.

Mr Farage adds that the UK "must" leave the European Convention on Human Rights, and that people arriving in the UK by non-conventional must never be given leave to remain.

He also says that the UK must reject French authorities "escorting" small boats into British naval jurisdiction.

As well as speaking on migration, Mr Farage gives his views on the state of politics in the UK.

This follows his interview with Sunday Morning With Trevor Phillips, in which he was challenged over his claims that a  "growing number" of Muslims "loathe" British values.

Mr Farage doubles down on his views about Muslims - and says there are many young people in the UK who are adopting radical views.

He points to recent election results in urban areas to demonstrate his point - and claims there were no women present when Labour's deputy leader Angela Rayner was "begging" for votes from "Muslim leaders".

He says the UK is moving towards "sectarian" politics in inner cities, with women "completely excluded".

Next, a reporter from the Daily Mail asks the shadow chancellor what the first tax cut she wants to make is, for workers in particular.

Rachel Reeves replies that she wants working people to pay less tax and national insurance, but adds: "Unlike the Conservatives, I'm not going to make any unfunded commitments."

She repeats her oft-repeated phrase that she will "never play fast and loose with the public finances" because ordinary families and pensioners "pay the price for that".

"When the Conservatives come along putting more baubles on the Christmas tree, what you can see there is a repeat of the mistakes that Liz Truss made.

"It is dangerous, it is reckless, and it will result in higher taxes, higher mortgage costs - and once again putting pensions in peril."

That concludes Rachel Reeves' first major speech of the general election campaign. Scroll down for all the details of what she said - and stay tuned for expert analysis from our correspondents.

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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 28, 2024   •   25:56 The Alitos and Their Flags
• 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

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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