- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: Wildfires and Homeowners Insurance
Posted on 11/12/18 at 9:06 pm to tgrbaitn08
Posted on 11/12/18 at 9:06 pm to tgrbaitn08
I’m not aware of insurance companies viewing a wildfire any different from a random house fire
Maybe they do though......no wildfires in Lafayette so I’m not sure
I have fire but no flood insurance
Maybe they do though......no wildfires in Lafayette so I’m not sure
I have fire but no flood insurance
2
Posted on 11/12/18 at 9:07 pm to ItTakesAThief
Named wildfires should be treated just as named hurricanes are. Higher deductibles and higher premiums in high risk areas and all.
Posted on 11/12/18 at 9:08 pm to yellowfin
quote:
I’m not aware of insurance companies viewing a wildfire any different from a random house fire
That’s my point. They should.
Posted on 11/12/18 at 9:10 pm to tgrbaitn08
I’ll pass it on and let you know what they say
Posted on 11/12/18 at 9:10 pm to ItTakesAThief
quote:
not cutting back forests or using controlled burns to control undergrowth
Pretty gross oversimplification. California burns due to the changing climate, the innate landscape of the state, and the fact those Santa Ana winds blow the fire around. Yes, there’s more vegetation to spread the fire faster, but it’s less to do with lack of controlled burns and more to do with the fact that there’s more PEOPLE and therefore less land available to burn in a controlled manner
This post was edited on 11/12/18 at 9:12 pm
Posted on 11/12/18 at 9:13 pm to CommunityCollegeFTW
You certainly have more houses.
But you have to manage burnavle material.
There is no climate change. California has always been dry. Problem is that the water resources are the same but demand for water co run yes to increase and there is only so much water available. Now demand is higher than supply so they are controlled largely by fluctuations in snow pack which fluctuates.
But you have to manage burnavle material.
There is no climate change. California has always been dry. Problem is that the water resources are the same but demand for water co run yes to increase and there is only so much water available. Now demand is higher than supply so they are controlled largely by fluctuations in snow pack which fluctuates.
Posted on 11/12/18 at 9:14 pm to CommunityCollegeFTW
quote:
on. California burns due to the changing climate
Please tell us specifically how the climate has changed in Californian to increase fire risk...
Posted on 11/12/18 at 9:16 pm to CelticDog
I’m sure they factor that into the premiums in places where wildfires occur, just like they factor hurricane wind damage risk into our premiums here
Posted on 11/12/18 at 9:17 pm to yellowfin
quote:
I’ll pass it on and let you know what they say
Please. Keep me posted
Posted on 11/12/18 at 9:18 pm to yellowfin
quote:
Lafayette
quote:
no flood insurance
Posted on 11/12/18 at 9:21 pm to wickowick
quote:
Please tell us specifically how the climate has changed in Californian to increase fire risk...
In the event you aren’t joking....rainfall in fall/winter months allows the vegetation to grow, and then it proceeds to dry out during the summer. Average temperatures 2-3 degrees warmer mean that same vegetation dries out even further. California has always been dry, but the temperature difference coupled with lack of rainfall means more fires. Of the 10 biggest fires in recorded California history (1932) 9 have occurred since 2000. 5 since 2010. And now this the worst in history.
If you don’t feel like 2-3 degrees difference matters, ask Australia about its Great Barrier Reef.
Posted on 11/12/18 at 9:25 pm to Tiger Prawn
Don’t need it
Posted on 11/12/18 at 9:28 pm to Tiger Prawn
If I live in an area that isn’t designated as a flood area but it floods insurance doesn’t cover me. But if I live in California wild fires I’m covered. No logic.
Other poster says why should someone in Colorado mountains cover our floods. Why should my rates go up to cover California wildfires? What about earthquakes?
Other poster says why should someone in Colorado mountains cover our floods. Why should my rates go up to cover California wildfires? What about earthquakes?
Posted on 11/12/18 at 9:28 pm to yellowfin
quote:
Don’t need it
I technically don't need it in BR either and came within a counts hair of flooding in 16. My house is on about a 5-6 ft hill. shite got pretty interesting for a bit.
Posted on 11/12/18 at 9:31 pm to Tiger Prawn
quote:
I’m sure they factor that into the premiums in places where wildfires occur, just like they factor hurricane wind damage risk into our premiums here
I was an insurance agent and have no knowledge of CA, but a house, exactly the same, in Bossier vs. NELA, is lower here due to weather. Shreveport has stronger storms and a higher risk due to that. Every region, even within a state, has an actuarial who is crunching numbers and assessing risk.
Posted on 11/12/18 at 9:34 pm to fallguy_1978
I cut my grass the day it stopped raining in 2016. Never even backed up on the street
Posted on 11/12/18 at 9:34 pm to CommunityCollegeFTW
quote:
Average temperatures 2-3 degrees warmer mean that same vegetation dries out even further. California has always been dry, but the temperature difference coupled with lack of rainfall means more fires. Of the 10 biggest fires in recorded California history (1932) 9 have occurred since 2000. 5 since 2010. And now this the worst in history.
Wet season is trending shorter and shorter too. Which is especially problematic as things are very dry when the Santa Ana/offshore wind season starts going.
Posted on 11/12/18 at 9:34 pm to lsuwins3
quote:If you have flood insurance it does. Lots of people on this board live in areas not designated as a flood area...ask them how that worked out 2 years ago.
If I live in an area that isn’t designated as a flood area but it floods insurance doesn’t cover me.
quote:Not automatic inclusion on a homeowner policy. Generally either an expensive optional add on or separate policy all together.
What about earthquakes?
Louisiana people bitching about California wildfires causing their rates to go up is about the same as people up north complaining that their rates are going up to pay for Gulf coast hurricanes
Posted on 11/12/18 at 9:37 pm to CommunityCollegeFTW
quote:
And now this the worst in history.
Worst in history how? Acerage? Buildings burned?
Posted on 11/12/18 at 9:41 pm to Tiger Prawn
I’m not bitching about my rates going up just curious why one is covered under regular homeowners insurance and one isn’t.
I’m guessing if the damages get too high wildfires will be excluded. But then again we are dealing with California.
I’m guessing if the damages get too high wildfires will be excluded. But then again we are dealing with California.
Page 2 of 3
Popular
Back to top
Follow TigerDroppings for LSU Football News