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Insurance typically works off historical data to evaluate risk from my understanding, and having something as disastrous as the Miami beach condo collapse bodes a bad sign for insurance companies, especially given the terrible and absolutely incompetent rescue effort during the aftermath.
By the way, I'm shocked at how quickly the Miami condo collapse left the news cycle.
Iirc Florida passed some kind of law requiring coverage no matter where a structure is. And the only way the companies could make it work was massive premium increases because the places they're being forced to cover literally have to be rebuilt every year. This was after the federal government said it wouldn't offer disaster insurance on those zones anymore.
To be fair to Florida, that condo was built pre-Andrew and they revised their entire building code after Andrew. There aren't too many large building built pre-Andrew anymore because they were all built as cheap as possible to laundrr drug money.
That being said, there are a million reasons why i would never move to Florida, and the only building codes that can prevent your house getting inundated by flood surge is by putting it on stilts, so no shocker that the premiums are skyrocketing. Same with fire insurance in California right now.
The building collapse was due to bad building code for sure; however, the apathy that followed the tragedy, both from rescue workers and the public at large, was really disheartening.
I'd build a 3d printed house that is on a raised slab in Florida and in Cali. Anything out of wood would be a waste
In California you'd largely be fine as long as you take care to have land around your house and keep it defensible. A lot of the fires that get into towns are because those recommendations and regulations get ignored in favor of trying to live in a forest as much as possible.
You can do everything roght but your neighbors might not. I have family that lost thier home a few years ago in a fire and have moved to San Fran now
Absolutely. I meant to convey that. I'm sorry if I was unclear.
Alternatively just build it dirt cheap and expect to rebuild every year. Disposable housing, the real american way.
Why not a boat? Hear of the storm then you just float away
3d printed would likely be cheaper
This is the first I've heard about it. When did it happen?
June 24th of 2021.
https://www.npr.org/sections/live-updates-miami-area-condo-collapse/2021/06/29/1010976101/timeline-what-we-know-so-far-about-what-led-up-to-the-surfside-condo-collapse
Fuck me. They even knew something was wrong...
Thank you for the article.