Calif fires - some thoughts

[maineiac]

The people of Nebraska, Iowa, Ohio, etc. will be paying for the single-family home fire losses and related losses in Southern California. Legislation will be passed to do this, along with other non-legislative actions. Having the largest congressional delegation, and the vast majority from one party, gives huge power.

And OBTW New Mexico was the single largest per capita "debtor" of all US states in 2019 and has been a top 5 debtor in every single year since at least 2015. Perhaps instead of complaining, you should be sending CA, the largest net "creditor" in our country, a "Thank You" card every year. Glass houses and all... This complaint session is useless and a perfect example of the raging infection that afflicts this country currently. What happened to the United States?

 

[Donald]

Maybe the insurance companies will get more involved with evaluating each home for specific fire risk. They currently ask about a wood store and. trampoline and certain breed dogs.

They need to check for vegetation buffer, distance to houses on the either side. But for houses in general check for arc fault breakers. Maybe appliances that can cause fires. Oil boiler or furnace. Gas furnace. Gas water heater. I am sure there are many other things that cause a fire risk.

 

[GON]

And OBTW New Mexico was the single largest per capita "debtor" of all US states in 2019 and has been a top 5 debtor in every single year since at least 2015. Perhaps instead of complaining, you should be sending CA, the largest net "creditor" in our country, a "Thank You" card every year. Glass houses and all... This complaint session is useless and a perfect example of the raging infection that afflicts this country currently. What happened to the United States?

Zero argument from me. Federal spending is without a doubt unsustainable and counterproductive to the long-term health of the U.S. and its people.

 

[Cujet]

There is very little evidence that any of the homes were designed to be in a fire risk area. That will have to change.

My home has concrete walls and a barrel tile roof along with metal soffits (eaves). I incorrectly thought it would be at least somewhat fire resistant. Come to find out the winds drive the heat and embers under the eaves and in to ventilated soffits. This starts the wood rafters/trusses on fire rather quickly.

My next home will have adequate lawn between the home and the woods. Not just for fire, but for insect and critter control.

 

[spasm3]

Maybe the insurance companies will get more involved with evaluating each home for specific fire risk. They currently ask about a wood store and. trampoline and certain breed dogs.

They need to check for vegetation buffer, distance to houses on the either side. But for houses in general check for arc fault breakers. Maybe appliances that can cause fires. Oil boiler or furnace. Gas furnace. Gas water heater. I am sure there are many other things that cause a fire risk.

EV cars ?

 

[Pew]

You guys over on both coasts make mid West tornado damage look cheap.

 

[Snagglefoot]

Hypothetically speaking (hopefully), what if it's found that arson was the cause of the fires, and most insurance policies have a clause that specifically excludes arson?

Would the US government try to force the insurance companies to pay anyways, would they make FEMA cover it all, or would everyone be pretty much S out of luck?

I believe that arson deals with arson caused or abetted by the homeowner, not some stranger.

 

[The Critic]

I am not sure how your paying for them actually?

Higher insurance premiums to offset? Go with a company that doesn't insure on the coasts. I would think there premiums might be lower anyway?

FEMA flood is capped at $250K, and the premiums are fairly high. They were not always that way - I think they finally learned.

All insurance companies tap into the reinsurance market -- whether it's on a treaty basis or on an individual risk basis. The market is global.

 

[Snagglefoot]

All insurance companies tap into the reinsurance market -- whether it's on a treaty basis or on an individual risk basis. The market is global.

For sure. Many of the re-insurance companies are in Bermuda.

 

[M56959]

Had to moderate conspiracy theories, profanity filter bypass and political commentary.