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Yeah sorry look at Western NC. A friends house was hit by a mudslide and he lost everything. Insurance won't do fuck because they are calling it flood damage.
Fuck insurance. Fucking scam.
We need more insurance organized by credit unions. If the whole world bought disaster insurance, we might try preventing disaster.
Those exist they are called "mutuals" but I don't think they have a better track record vs other company types.
Insurance is the world’s biggest scam. If only jt was done honestly.
The government has proposed making it obligatory from January for businesses to be insured against natural disasters, a move that has proved particularly unpopular in areas most at risk. There were also hints at extending it to households.
Fascists neutering mutual help and helping private interests, surprise.
Problem is you need to price it into the taxes. So the alternative is a mandatory insurance that is done indirectly through taxation.
Now who gets to pay these taxes and who manages to dwindle out of it, using deliberately planted loopholes?
For insurance it is normal that your rate corresponds to your risk. For taxes or social insurance that is not the case. Why should i pay for other people enjoying living dangerously near the sea, in river flooding areas or the like? If i move to such a place, why should others pay for me? What about houses that are built improperly or where protective measures have been neglected?
It is certainly possible to create some sort of public weather insurance. But it has to go along with forcing people to properly build and maintain their houses as well as driving them out of areas, impossible to maintain housing in under climate change. This too will be deeply unpopular.
I think properly regulating insurance businesses is the more frutiful way of going about this.
It can be included into property taxes and yes, building codes are a thing and aren't deeply unpopular.
All insurance brokers are scum. They are there to extract wealth, not protect.
Response to citizens losing homes is funneling their dwindling reserves of money to insurance companies. Wonder who besides insurance companies and those they bribe thinks this is a good idea?