• 3volver@lemmy.world
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    5 months ago

    I look forward to seeing the cost of insurance in flood prone areas go up and up and up. No way to get people to move preemptively due to climate change other than to make them go bankrupt first. STOP fucking bailing them out, STOP making US citizens pay for the shitty decisions of red states.

    • afraid_of_zombies@lemmy.world
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      5 months ago

      fyi it isn’t “just” houses. I am waiting for the annual calls from local governments about what got trashed this year.

      Water-proofing stuff makes it run hotter and often makes it, counterintuitive I know, more likely to have fire/explosion issues. Hotter stuff doesn’t last as long or work as well. Organic matter releases methane both in the ground and above it. Add this to total fucking inability of civil engineers to do a site visit and acknowledge that the former non-flood zone is a flood zone now and you get yearly problems.

      Not doing it this time but I almost got sent across the US to deal with a single pumping system that is browning out and dying this week. Local person is handling for me and I will be on the phone. So there is my Monday.

  • 242@lemmy.cafe
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    5 months ago

    In May, DeSantis signed a bill that removes most references to climate change from state law and streamlines fossil fuel development projects—“Don’t Say Climate Change,” the bill’s critics have called it, including a meteorologist who spoke up against it on air. On the day he signed the legislation, Key West was a record-setting 115°F.

    “If we stop people from using the words ‘climate change’ that means we won’t have any more flooding or hurricanes. I’m the smartest.” - Meatball Ron

  • Snapz@lemmy.world
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    5 months ago

    “Weatherz are woke libz!!! Rain is a Chinese Jewish CRT and if you ingest the water, Hunter Biden did the chemicals in it so you’re a trans! If trump could diarrhea in this water, even up high from his gold helicopter, floods would all melt and turn into enough nachos for everyone and beer and we’d have a second super bowl, but instead DEMZ locked him in prison for being Jesus and making a most BEAUTIFUL phone call!!!” My penis don’t work guud and it’s frustrationing cuz I want to use it for gay and not tell anyone else at church!!!"

  • FollyDolly@lemmy.world
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    5 months ago

    It’s fine, the peasants will just suffer and die, there’s always more peasants.- ol’ Meatball Ron.

  • Snapz@lemmy.world
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    5 months ago

    Oh, here we are again in the hands out, crying for help and funds portion of the “no guv’ment!!!” and “we’re gonna sucede!!!” crowd.

    Is your raised truck not high enough for you to take shelter from the floods in? Can’t you hang your wet clothes to try from the “rolling coal” pipe you have? Can you use those 27 trump flags made of asbestos as a blanket to warm you?

    Maybe as you’re waiting for the “guv’ment” to come rescue you like a frightened fairytale princess, feed you with taxpayer dollars and repair your uninsurable without “guv’ment” help homes… Maybe you could just float on your back in the water while you wait and think about your stance on climate change?

    And remember, as your elderly neighbor’s dead body floats by next to you, you can always use all your left over “Joe Brandon, I DID THAT!!!” gas pump stickers to put over their eyes and mouth to keep them closed.

  • brucethemoose@lemmy.world
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    5 months ago

    DeSantis’s disaster response was good. He did an excellent job the last few hurricane seasons, including when Ian hit us, and he’s cognizant of how crooked the insurance companies were, among other things.

    Say what you will about everything else (and I have a lot to say, trust me, I would not vote for him), but y’all are just demonizing him because he’s a Republican. And, quite fairly, for some destructive party line policies.

    Also… y’all haven’t seen anything yet. I was in this rain, and again, it’s nothing compared to Ian or the upcoming season.

    • jeffw@lemmy.worldOPM
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      5 months ago

      His party voted against disaster relief funding multiple times. What did he actually do? Throw toilet paper for a PR stunt like Trump?

  • Nobody@lemmy.world
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    5 months ago

    I’m not sure if gay marriage causes hurricanes, but it looks an awful lot like hate and fascism cause floods.

    • afraid_of_zombies@lemmy.world
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      5 months ago

      Remember reading about the starving that went on in the early USSR. How their mismanagement led to crop failures while their neighbors had great years of food production.

      I kinda want to get out of infrastructure work. I see how cost disease is ripping it all apart, and I keep thinking that if I stay in the field I am going to be dealing with disasters that are coming. With all the tools I need to fix things but not legally allowed to do anything as the floods kill us all.

      I am on a liferaft trying to get us to safety while people are cutting holes and all voted to ban my patch kit.

  • Wahots@pawb.social
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    5 months ago

    He knows democrats will bail him out because they do the right thing. Insurance agencies won’t, though. The writing is on the wall when your insurance premiums skyrocket. Or worse, they drop you.

    • 0110010001100010@lemmy.world
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      5 months ago

      How many insurance companies are actually left in Florida? I thought a good percentage of them have pulled out of the state entirely citing climate change. I know the premiums offered by the remaining companies have to be insane and it’s not going to get any better.

      • brbposting@sh.itjust.works
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        5 months ago

        And the fraud was off the charts too. Roofers going door to door offering free roofs: “oh we can put in a claim…”

      • Tar_Alcaran@sh.itjust.works
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        5 months ago

        Massive flooding of whole cities is simply not an insurable thing. Not even with all the reinsurers in the world can you pay out a city of millions. Most sane countries don’t even try.

        I live about 5m under sea level. Should de dikes breach and my polder flood (and I don’t die horribly), the insurance company pays fuck all. The Dutch state has a giant mountain of cash sitting by for cases like that.

        Of course, handing DeSantis a giant pile of emergency cash would just mean it instantly gets turned into bribes, so that wouldn’t work for Florida.

        • FuglyDuck@lemmy.world
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          5 months ago

          Fun fact, the biggest point in Florida is currently 345 feet above sealevel. (it’s somewhere near the ballsack.)

          The average is like 100

          It’s a very bad state to ignore climate change in.

          (Edit fixed the stats.)

    • Jojo, Lady of the West@lemmy.blahaj.zone
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      5 months ago

      My insurance is dropping me because I had the audacity to try to use it. We had one claim that paid for some damage after a flood, one to pay for a water heater, and that’s it. They decided that means we will probably ask again the next time something goes wrong, so why would they want to keep insuring us?

      • Leg@lemmy.world
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        5 months ago

        Insurance is a scam, and it pisses me off that we’re still tolerating their bullshit.

        • Croquette@sh.itjust.works
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          5 months ago

          The concept is good. But the way it is run right now is just taking money and fight tooth and nail to pay as less as they can gey away with it.

          • Beetlejuice001@lemmy.wtf
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            5 months ago

            If it weren’t a way to extract profit and the money stayed in a fund. It would secure society, Almost like social security. Just stop building in flood zones ffs.

          • psivchaz@reddthat.com
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            5 months ago

            I would argue that the concept is flawed. The base idea is that you calculate statistics on how much you would be likely to have to pay out, then set premiums such that you’ll always be ahead of payouts. Essentially, everyone pays so that the unfortunate few who need help can get money out of the common pool to help.

            This is just taxes, basically. We already do this with fire departments and such. However, insurance adds a profit motive on top because it’s a company, so the amount they take in must always be significantly higher than the amount they pay out. And if it’s a publicly traded company then the amount they make above and beyond the amount they pay out must always be higher every quarter.

            Like at a certain point, why not just do taxes and better disaster relief? As an added bonus, the government would have an extra incentive to care about things that may make the payouts increase, like poor infrastructure or climate change.

            • jjjalljs@ttrpg.network
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              5 months ago

              Many people are ideologically opposed to taxes and cooperation.

              Reminds me of when right-wingers accidentally reinvent like buses or socialized health care under a different name.

              In short, people are emotion driven and many of them are stupid on top of that.

            • afraid_of_zombies@lemmy.world
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              5 months ago

              We already do this to an extent. It’s called FEMA.

              I am not against the government growing it’s role in this sector, I just would be concerned about the perverse incentives and subsidizing the very wealthy. Why should I have to pay for your nice house on the river that exceeds 8x or more my annual gross income? You couldn’t get private insurance because everyone knew this was a really bad place for a McMansion so you went to the government and got a free lunch. Also you are pretty much asking renters, who are usually poorer, to give money to homeowners who are usually richer.

              Maybe if it was structured more like FDIC. The government provides insurance but there is a cap on how much. If you want more go to the free market.

            • Croquette@sh.itjust.works
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              5 months ago

              Taxes and disaster relief is a form of insurance, I agree with you there. When I say the concept is good, I mean people pooling a little bit in a big fund and then if something happens, the money is taken from the fund.

              Insurance companies in the current system will nickel and dime you and deny your claims.

      • Wahots@pawb.social
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        5 months ago

        I’ve had friends get fucked in the ass by their insurance company that refused to let them buy flood insurance even though they weren’t particularly close to a body of water. When the “once in 500 years” (not) flood came, their house that they had owned for years was destroyed. Insurance that they paid for picked up none of their $100,000 damages.

        They rebuilt it out of pocket and are selling it and moving to a place that is more ecologically stable. Fuck insurance companies.

        • tyler@programming.dev
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          5 months ago

          I mean…. It sounds like the insurance company knew it was going to flood. Being close to a body of water has nothing to do with likelihood to flood…

          Seems like your friends should have moved before the flood, if they couldn’t get insurance for it. Why were they even searching for flood insurance if “they weren’t particularly close to a body of water”?

          Sorry but this definitely sounds like your friends’ fault. They knew they needed the insurance because it would flood, the insurance company knew with high certainty it was going to flood, and then it did flood.