this post was submitted on 03 Feb 2025
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I mean, this has nothing to do with climate change and more to do with insurance companies raping every dollar they can out of people's wallets. They would have been doing this anyhow. These areas were already getting hit annually with hurricanes, tornadoes, etc.
This isn't insurance companies, the LA fires alone cost $250 billion, ~the gdp of new Zealand. Even if we abolished insurance companies someone's gotta pay for that. In that vein a lot of insurance companies are abolishing themselves, either going under or just leaving the state because Californiais a net loss to most companies, not a profit. So more people go on state insurance which is very expensive, not because the state is "r*ping you" but because it's a pool of houses highly likely to be burned down or flooded in the next decade and you have to have high premiums to cover that.
The problem is climate change and the increasing disasters it's causing. The article even says that premiums are still too low to account for this.