this post was submitted on 05 Oct 2023
39 points (100.0% liked)

Asklemmy

43984 readers
710 users here now

A loosely moderated place to ask open-ended questions

Search asklemmy 🔍

If your post meets the following criteria, it's welcome here!

  1. Open-ended question
  2. Not offensive: at this point, we do not have the bandwidth to moderate overtly political discussions. Assume best intent and be excellent to each other.
  3. Not regarding using or support for Lemmy: context, see the list of support communities and tools for finding communities below
  4. Not ad nauseam inducing: please make sure it is a question that would be new to most members
  5. An actual topic of discussion

Looking for support?

Looking for a community?

~Icon~ ~by~ ~@Double_[email protected]~

founded 5 years ago
MODERATORS
[email protected]
[email protected]
[email protected]
[email protected]
39
What happens during a wildfire evacuation? (lemmy.ca)
submitted 1 year ago by [email protected] to c/[email protected]
14 comments fedilink hide all child comments
 

I've looked into moving somewhere affordable, but it seems to be an area prone to wildfires and was evacuated for such recently.

What happens during an evacuation? Where do you go? Who covers the cost it's a hotel or something, or do people find their own accommodations? What kind of damage can you expect from smoke when you return home if it is still standing? Anything else unexpected that comes from this?

Thanks

you are viewing a single comment's thread
view the rest of the comments
[–] R4sjd1 4 points 1 year ago (1 children)

Usually for cases where insurance is not feasible because of increased risk of for example wild fires, the government steps in and an insurance pool is created to cover the costs of rebuilding and temporary relocation. But it happens only after insurance companies start to retreat more broadly. I assume they cannot stop paying out especially fire claims because the costs that need to be reimbursed are immediate and will be agreed to when the fire is being reported - which usually happens within hours. All in all it would be kind of dump of an insurer to refuse payout in a case like a fire. There either was a fire or there wasn’t. So not much room for push-back I would assume. But not a lawyer so I am just being hopeful here haha.

[–] [email protected] 3 points 1 year ago (1 children)

I think the most likely outcome is that they will remove coverage for wildfires, which would likely have to be purchased separately like flood insurance works today. You are correct that if it is covered by the terms of the insurance they pretty much have to pay out at that point, as it is a contractual obligation.

[–] [email protected] 3 points 1 year ago

I wonder how much money it would cost them to fight the subset of customers who took them to court over refused payouts?

Like if they refuse to pay out 10 x $500,000 payouts, as long as the legal fees and fines they’d pay to avoid prison costs then less than $5m, they’re making profit on a policy of “deny every claim”.