Californeys Burnin

[crtreedude]

DanG,

I couldn't agree more.  I caught a quick blurb that the insurance companies are facing a real financial problem. Now, that doesn't both me regarding the insurance companies - but it does mean they will be harder on a feller who's house burned down. They will have sharper pencils to try to save a few bucks, because all the bucks went for those in high risk areas.

Somewhere along the way, people have lost the idea that if services are given to them, then they aren't available for someone else. If I drive like a lunatic and wreck my car, I might have been paying for insurance, but the pot is only so deep. Insurance for things that we couldn't have predicted is one thing - insurance for something that we KNOW is going to happen is another.

The other thing is that if you put up a house, that isn't the only investment. There are roads, levies, powerlines, etc. to provide for those homes. There isn't insurance on those - those are called you and me who pony up to replace them when disaster strikes.

[SwampDonkey]

I agree with Dang on the insurance also. Not long ago ( a couple years) some idiot decides to build a new house down on the flood plain of the river. He had to sign a waiver with the Power Corporation against damage from flooding and I dought the insurance company will insure him. I know they won't insure your house if the oil tank is more than 10 years old, so what competant insurance company is gonna insure a house in a frequently flooded area. Our government up here isn't as forthcoming with disaster relief, we do well to get the army to help flooded towns. In fact in the flood of '87 at Perth it was the US army that came to their aid and the Canadian army in Gagetown was a laughing stock. In 1997 when Winnepeg was flooded they made Dang sure the army was there to help. Gagetown is only 140 miles from Perth ('87 flood) and it's over 2000 miles away from Winnepeg, Monitoba. 

[sawguy21]

There recently was a peat bog fire at the mouth of the Fraser river near Vancouver B.C. It was started accidently by crews who were attempting to drain the swamp because some maroon threatened to sue the regional district if his farm flooded. Well GOOD MORNING That bog on the flood plain was around a long time before his farm and the GVRD sure didn't put it there. 
I once asked an insurance adjuster if they covered stupidity after a particularily bone headed stunt by one of our drivers. He replied "Oh sure, all the time."