Literally the only silver lining I can find in this whole thing is that it could potentially destroy the home insurance industry to the point that Florida becomes completely unlivable. If nothing can be insured nobody can live there. That’s kinda the only good thing that could possibly happen out of this.
Also all violence against settlers is self defense and I gotta say this specific event is 100% mother nature being violent in self defense.
Insurance as a private industry is so stupid. They extract profits to protect people from catastrophic losses, but then when something catastrophic happens, the government has to step in to save the industry. We’ve seen it with the risk pools that states have had to create to keep health insurers from pulling out of rural areas, with last resort programs for home insurance and flood insurance, the AIG bailout, and the built in bailouts of Obamacare.
Why do they get to collect the profits if they don’t cover the risks?
It is inevitable. As a Floridian our insurance industry is on pace to crash head on into a wall and nobody can stop it. We COULD MAYBE expand Citizen’s, which is a government run/backed insurance that is currently only used for those who otherwise cannot get insurance anywhere else, but nope. Our Republican leadership absolutely don’t want that. Instead they deliberately make sure Citizens is just this side of too expensive as not to “compete” with the market and if you qualify for any other insurance they must kick you off of it.
The failure of insurance in Florida is such a huge strike against capitalism and they know that and will do anything to make sure it doesn’t happen. In fact, recently they relaxed regulations for small shop insurers here. What that means is we will have more startup insurance companies insure people for cheap, get more claims against them on a big hurricane than they have capital, pay out what they can and leave everyone else in the weeds. Total loss. It’s fucked.
And they won’t even be the first. We have an official graveyard dedicated to all the insurers killed this way. Another for the pile.
I mean if living there requires expensive rebuilding every year against encroaching floodwater that will only get worse getting poor people out of the way early is probably the best outcome you can get in this satanic country. It will be very bad, but that goes without saying in Amerikkka.
I am not saying this to victim blame. The ones who deserve the blame here are property developers and city/county governments for continuing current practices.
At least half, if not the vast majority, of damage caused by hurricanes every year is completely avoidable. When I lived in Okinawa we got typhoons every year, sometimes really big ones, and the worst thing that would happen might be your car getting flipped over - but every building was solid concrete, the tall buildings downtown were tightly packed and protected each other, there was a lot of sea wall to break up storm surges, etc. I remember going bowling with the family pretty much every time a hurricane hit (unlike the troops who lived on base and were all ordered to stay in the barracks and forbidden from drinking lmao).
Before I got to live in Japan I lived in a trailer park on the east coast for a number of years, where I saw the exact opposite of this in practice. Every hurricane that hit would destroy a bunch of wooden houses and mobile homes (including my own once), but the rebuild would use the exact same cheap as hell materials and techniques, almost like the whole coast’s construction industry was colluding to protect the yearly demand for repairs.
“Um, actually Satanists are good” is a take you see all the time, which is wild because, 1) there are two kinds and one is literally a heretical Christian sect that worships what they believe is the devil and 2) the other ones are just libertarian trolls. They deserve critical support when fuckin with fundamentalist Christians who want their pastors in our public schools and at basically zero other times.
You can tell it’s a good system that isn’t feudalism with extra steps when the company you give money to every month can just rug pull you and decide you can’t have houses anymore
Literally the only silver lining I can find in this whole thing is that it could potentially destroy the home insurance industry to the point that Florida becomes completely unlivable. If nothing can be insured nobody can live there. That’s kinda the only good thing that could possibly happen out of this.
Also all violence against settlers is self defense and I gotta say this specific event is 100% mother nature being violent in self defense.
Insurance as a private industry is so stupid. They extract profits to protect people from catastrophic losses, but then when something catastrophic happens, the government has to step in to save the industry. We’ve seen it with the risk pools that states have had to create to keep health insurers from pulling out of rural areas, with last resort programs for home insurance and flood insurance, the AIG bailout, and the built in bailouts of Obamacare.
Why do they get to collect the profits if they don’t cover the risks?
Gonna toss in my own spicy take: climate disaster is the genocide of the poor by the rich, and framing it in this manner absolves the perpetrators.
It is inevitable. As a Floridian our insurance industry is on pace to crash head on into a wall and nobody can stop it. We COULD MAYBE expand Citizen’s, which is a government run/backed insurance that is currently only used for those who otherwise cannot get insurance anywhere else, but nope. Our Republican leadership absolutely don’t want that. Instead they deliberately make sure Citizens is just this side of too expensive as not to “compete” with the market and if you qualify for any other insurance they must kick you off of it.
The failure of insurance in Florida is such a huge strike against capitalism and they know that and will do anything to make sure it doesn’t happen. In fact, recently they relaxed regulations for small shop insurers here. What that means is we will have more startup insurance companies insure people for cheap, get more claims against them on a big hurricane than they have capital, pay out what they can and leave everyone else in the weeds. Total loss. It’s fucked.
And they won’t even be the first. We have an official graveyard dedicated to all the insurers killed this way. Another for the pile.
https://figafacts.com/category/insolvency/
https://www.myfloridacfo.com/division/receiver/companies
https://www.myfloridacfo.com/division/receiver/companies/closed
Ah yes, the poor people who couldn’t achieve enough enlightenment to choose their incarnation are totally to blame for being born in Florida.
Fuck off with this goofy shit. Sins of the father is dumb as fuck and even the monotheists realized this a long time ago.
Where did I say literally any of what you just said.
Not to workers who have nowhere else to go
This is just the Clerks Death Star contractors debate all over again.
I mean if living there requires expensive rebuilding every year against encroaching floodwater that will only get worse getting poor people out of the way early is probably the best outcome you can get in this satanic country. It will be very bad, but that goes without saying in Amerikkka.
I am not saying this to victim blame. The ones who deserve the blame here are property developers and city/county governments for continuing current practices.
At least half, if not the vast majority, of damage caused by hurricanes every year is completely avoidable. When I lived in Okinawa we got typhoons every year, sometimes really big ones, and the worst thing that would happen might be your car getting flipped over - but every building was solid concrete, the tall buildings downtown were tightly packed and protected each other, there was a lot of sea wall to break up storm surges, etc. I remember going bowling with the family pretty much every time a hurricane hit (unlike the troops who lived on base and were all ordered to stay in the barracks and forbidden from drinking lmao).
Before I got to live in Japan I lived in a trailer park on the east coast for a number of years, where I saw the exact opposite of this in practice. Every hurricane that hit would destroy a bunch of wooden houses and mobile homes (including my own once), but the rebuild would use the exact same cheap as hell materials and techniques, almost like the whole coast’s construction industry was colluding to protect the yearly demand for repairs.
If this was a satanic country we wouldn’t have these problems.
That’s actually fucking true lmaoo
We must be meeting different Satanists cuz most I’ve met were essentially libertarians.
“Um, actually Satanists are good” is a take you see all the time, which is wild because, 1) there are two kinds and one is literally a heretical Christian sect that worships what they believe is the devil and 2) the other ones are just libertarian trolls. They deserve critical support when fuckin with fundamentalist Christians who want their pastors in our public schools and at basically zero other times.
The great Satan is satanic. What are you trying to say here?
You can tell it’s a good system that isn’t feudalism with extra steps when the company you give money to every month can just rug pull you and decide you can’t have houses anymore