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If people don't have the common sense to not build houses in places that are guaranteed to be destroyed by a natural disaster sooner than later, then I shouldn't have to subsidize their rebuilding costs through my insurance premiums.
That’s what the people in the North Carolina mountains thought.
That seems like a perfectly reasonable place to build that's not obviously at threat from hurricanes. But sometimes shit happens that couldn't be easily foreseen, and THAT'S what insurance is for.
My point, however, is that insurance is NOT to make other policy holders foot the expense of someone repeatedly repairing/rebuilding after completely foreseeable/inevitable events.
To anyone that insists on having a house right on the beach on the Gulf Coast, I say, "Insure thy self."
Yeah, used to be that insurance costs were almost directly skewed based on risk. But then people were upset that it costed so much to insure some places(the ones that should be prohibitively expensive to insure). And then slowly over time they baked in little increases in price everywhere else to subsidise huge price cuts in those areas to out-compete the companies that put the onus entirely on the people taking risks. Eventually, as it became more and more widespread to do that, it became financially more viable to spread it out rather than have drastically more expensive areas. And now we all have to partially cover people who are taking way more risk than we would.
That's communism in a nut shell, Republicans should be up in arms over it
Forms of communism that mean they are making more money are actually ok by them. They just have to find a different name to call it so they don't have to say that icky word that gives them feelings.
That or build something that can stand up to being hit. Tall order, but the inner armchair engineer in me thinks it's like, totally possible.
I think you forget, building it stronger once would cost 50% more upfront. Better to build it twice, or three times at only 100% cost each time. That way you can be the lowest bidder every time.