Perhaps the most interesting part of the article:
Risk makes insurance unaffordable or unavailable
Insurance should really always be available at some price if you don't cap prices. It might be ludicrously expensive if insurers consider the area to be extremely risky -- and this area has had serious wildfires in past months and years, and I'm sure is probably considered to be quite risky -- but there's going to be some price at which they should make a return, even if they think that there's a pretty good probability that the house is going to burn in some kind of fire in the next N years.
i kinda disagree. no business or government should be required to provide insurance just because you built a structure.
some things can just be not insurable.
Yeah. Insurance is for unexpected disasters. Building a house in a wildfire zone, tornado alley, or flood plain, those disasters are expected.
The challengee is (at least) two-fold: (1) existing homes that were once not in wildfire zones are now in them due to climate change, (2) some of the reason building is allowed into fire zones is to alleviate housing availability.
Man, this thread is reminding me that Lemmy is even worse than Reddit when it comes to being populated by people who have strong opinions about things they don't understand at all.
How so?
So many people here are speaking as if real estate insurance companies are doing something evil by pulling out of markets where it's impossible for them to make a profit or even break even. The companies are not reneging on any obligations, just turning away customers they can't afford to insure, and people here are responding by saying things like all insurance is a scam, and the insurance companies abusing their customers to enrich their shareholders.
I get the feeling they're taking their opinions of the private health insurance market and applying them to insurance in general, and in doing so they're demonstrating a lack of understanding of what insurance is for, why it's required for certain purchases, and why people choose to do business with insurance companies even when they don't have to
This is starting to feel more and more like a planned property grab.
Maybe? They're not sure if this guy is linked.
Warning: MSN link ahead:
Alleged Arsonist Arrested In Los Angeles Amid Deadly California Wildfires: What We Know
ETA: Also, 3 fires started all at once looks a little wonky in January.
Edit 2:
...though law enforcement officials have said they cannot confirm a connection between the arson suspect and any of the deadly fires currently burning through California.
One of the women involved in the citizen's arrest, Renata Grinshpun, told local news he had a "propane tank or... like a flame thrower" and that someone saw him "behind a van, trying to light something on fire."
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