Subj : Re: LA Fires
To   : THE GODFATHER
From : Dumas Walker
Date : Mon Jan 20 2025 09:36:00

> It's devastating that many lost their coverage
> through, I believe State Farm(?), prior to the fires.

I have heard that but have also read they might have had reason to make
coverage prohibitive or unavailable.

Here in Kentucky, we have a lot of rivers.  Here in town, there are folks
-- "river rats" -- that want to live right on the river.  They build their
houses -- sometimes nice ones -- right in the flood plain.  When their
place gets damaged or worse, they often rebuild in the same spot.

The threat of a flood every X number of years doesn't stop them from
(re)building on the flood plain.  What eventually stops them is when their
home insurance rates become unaffordable or they can no longer get insurance
at all (or, in a few cases, when the government does something to prevent it).

My understanding is that at least some areas out in California saw
insurance become unavailable for similar reasons... the homes were in areas
where the fire danger is similarly too high to ignore.


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