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All insurance types should be nationalized.
I agree, however I also agree that you should not expect to be able to build in an area that is prone to disaster. Like if I build my house on a Sandy Beach and the foundation fails because it's on Sand I'm not going to expect that the insurance company is going to cover it. The same should be considered for areas that are prone to natural disasters like California or Florida with Hurricanes
I agree but I also think people who've lived there prior to this designation should be grandfathered in or compensated for uprooting and moving.
There are millions of people in the country who through little fault of their own could be totally screwed by this.
I believe that if an insurance company /chooses/ to take on a insurance contract with a homeowner, they should be able to go through with it. So i fully agree with the grandfathered in thing, but like I also feel that a company shouldn't be forced to keep a customer outside that contract expiring. If they are canceling the contract mid cycle I am 100% expecting compensation, but if its just a policy renewal? there's other companies or if not that was a risk being built in a higher risk zone
These houses weren't built when these zones were high risk and more companies are moving out, leaving people with nothing.
Frankly, I feel no pity in forcing companies that have bent people over and fucked them to insure these places. Maybe that'll teach them a lesson in not helping fight climate change as risk management
Are US loans not given with the prerequisite that the property is insured? Wouldn’t pulling out unilaterally fuck everyone with a loan?
if it was allowed to withdraw prior to the loan being paid off yes, if they can't secure another insurance anyway, but in my opinion that isn't the insurance companies problem, they only provide their service, they are not involved with the financial issues of the broker/lender. It would fall on the consumer choosing to live in a potentially dangerous area to insure. That being said at least in this situation, the state has acknowledged that it's an issue for homeleasers, and has given an alternative, but people dislike the cost of the insurance.