I want to bitch about insurance companies but insurance is for something that is unavoidable.

All this shit is becoming more and more avoidable.

They're actually required to give 85% of everything back, so they give back most of it. It seems like Florida is becoming too much of a hassle to insure, though. Some companies have pulled out of florida.

Begrudgingly cover*

And the rest are probably planning to.

I read a thing recently that insurance companies are getting increasingly skittish all over the country, even places that wouldn't traditionally be considered risky, because yay, climate change.

The interesting thing about it was that insurance companies' insurance is increasingly the thing that's causing issues, because it's getting harder for the risk to be spread out. That is to say that insurance companies financially rely on areas with low rates of natural disasters because they end up being a net positive due to insurance premiums and no need for payout. Fewer of these "safe" areas mean the insurance companies struggle to stay solvent and have to rely on their own insurance policies to have their back, but those meta-insurance companies have apparently been historically loud about climate change — probably because besides the government, they're the ones who have to pony up

No problem. The 0ld coots in Florida that vote won’t be around when the bill comes due.

That’s what the people in the North Carolina mountains thought.

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 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.