One phone call in the middle of the night changed everything. As floodwaters swallowed her family home in Kenya, Mercy listened helplessly from miles away while her parents fought for survival on a rooftop surrounded by rising waters. This powerful firsthand account reveals the devastating human cost of climate change—where loss extends far beyond homes, crops, and livestock to include fear, trauma, and the struggle to rebuild a future. Mercy's story is a reminder of why communities on the frontlines need #LossAndDamageFinanceNow! and why a fully operational and adequately funded Loss and Damage Fund is essential to support those facing the irreversible impacts of the climate crisis.