Insurances dropped fire coverage months before LA fires
(files.catbox.moe)
They will get a 500$ check for their land and be forced out no matter what
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17 comments:
All home insurance is a scam.
True. My mom’s house I built she did it cash, I had a 12” well drilled with a high flow pump. She saves $3,000 a year being uninsured, her house is only vulnerable to fire which is now not an issue. She’ll recoup the cost of the well and pumping system in 4 years.
If you mortgage though, you have to insure.
Edit: my home insurance doubled because people in my area filed claims despite me never having one in the 8 years I’ve lived on my own. Can’t wait to be mortgage free in 3 years.
If you mortgage though, you have to insure.
Edit: my home insurance doubled because people in my area filed claims despite me never having one in the 8 years I’ve lived on my own. Can’t wait to be mortgage free in 3 years.
Sorry goy, there's a chance your house might actually catch on fire so we're cancelling your policy.
I heard it was 10-40k per year depending on property value, at that cost I would just invest in a deep as fuck pool holding as much water as possible with a fire suppression system. You are gonna need some massive pumps to create that wall of mist that will prevent spontaneous combustion.
Or you could reduce the requirement for pumps by building your own water tower. Of course, you're not actually allowed to build anything useful on your own property in CA
Fire bunkers could work. I know the soil in CA isn't great for basements, but you could still probably build one.
Also just building out of materials that are less flammable. Or coating materials with some kind of fire retardant that isn't too toxic. I'm thinking that there are ingenious ways to construct homes and buildings in areas with fire hazards, but codes and regulations and permits and government intervention prevents innovation and new ideas.
> I'm thinking that there are ingenious ways to construct homes and buildings in areas with fire hazards
Simple clay plaster with additives has been used for centuries. It's not 100% protection, but it's cheap and will hold up to small scale stuff. A burning ember won't catch your entire house on fire, for example.
Alternatively, like you mentioned, coatings can be applied and you can use chemical processes to impregnate wood to increase its fire resistant capability. But under intense heat and sustained burns, these things will fail/melt away.
I want to build my entire house out of rubberized concrete and rebar into the side of a hill.
Simple clay plaster with additives has been used for centuries. It's not 100% protection, but it's cheap and will hold up to small scale stuff. A burning ember won't catch your entire house on fire, for example.
Alternatively, like you mentioned, coatings can be applied and you can use chemical processes to impregnate wood to increase its fire resistant capability. But under intense heat and sustained burns, these things will fail/melt away.
I want to build my entire house out of rubberized concrete and rebar into the side of a hill.
Toast message
Them: accept free money for years then dump you when there's a chance they might have to do what you're paying them to do