10/5/23

Climate disasters causing insurance bubble

County commissions are infamous for rubber-stamping new homebuilding in the wildland-urban interface and like most Republicans in the Mountain West they are among the first blaming environmentalists for bringing science-based decision-making to forest policy. 

Utilities, insurers, county commissions, lenders and developers need to be held accountable for building tinder boxes packed so closely together that homeowners can see into each others bathrooms. Counties should be able to fine property owners who fail to create defensible space or clear dry fuels. Well-funded local and volunteer fire departments could conduct prescribed fires and burn road ditches to create buffers where contract fire specialists don’t exist. But even government can't always protect you from your own stupidity.
Co-author of the report Jeremy Porter said it’s not a matter of if, but when the insurance bubble pops. “People have these monthly expectations and if you see a 500, 400% increase in insurance, there are real, quantifiable consequences associated with that,” Porter said. While most people can still obtain insurance in the private market, some property owners in high-risk areas have had to turn to state-mandated insurers of last resort for their coverage. [Wildfire risk is causing an insurance bubble in New Mexico]
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