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Topic Originator: Dave_1885
Date: Thu 9 Jan 09:11
Now 5 massive fires burning uncontrolled right along the north of the city borders. Think it’s recorded as the worst ever seen there. Couldn’t imagine the fear folk are going through for both their lives and their homes.
Meanwhile their President incumbent is a firm believer that Climate Change doesn’t exist…….wonder what he will say about all of this as he has seemed quiet so far.
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Topic Originator: Dandy Warhol
Date: Thu 9 Jan 09:33
Mental that the state dumped billions of gallons of reserve water just before them and thousands upon thousands of insurance policies were cancelled just before too.
I don`t wanna go down like disco.
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Topic Originator: Bletchley_Par
Date: Thu 9 Jan 16:31
Three months ago on the Joe Rogan podcast the now President Elect Donald J. Trump.
Quote:
“In order to protect a tiny little fish, the water up north gets routed into the Pacific Ocean. Millions and millions of gallons of water get poured [into the Pacific],” he continued, referring to the protection of smelt, which he brought up again Wednesday.
“I got it all done. Nobody could believe it … You got so much water. All you have to do is sign, and [Gavin Newsom] didn’t wanna sign."
The OP claims the incumbent POTUS does not believe in Climate Change? I had no idea Biden was "a denier".
The good news is that when Trump becomes President because he knows that a changing climate is ubiquitous real solutions like the ones he was suggesting can be implemented.
Good luck to all those fighting this disaster caused by Newsome`s (non) forest clearing policies, incredible that LA, a city next to the ocean runs out of water in it`s fire hydrants.
Post Edited (Thu 09 Jan 16:31)
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Topic Originator: LochgellyAlbert
Date: Thu 9 Jan 19:03
Horrendous incident for the firefighters with winds approaching 100mph they`re in an impossible situation, they really can only assist in the evacuation of people.
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Topic Originator: Bamba-Daft
Date: Thu 9 Jan 19:51
Quote:
Dave_1885, Thu 09 Jan 09:11
Now 5 massive fires burning uncontrolled right along the north of the city borders. Think it’s recorded as the worst ever seen there. Couldn’t imagine the fear folk are going through for both their lives and their homes.
Meanwhile their President incumbent is a firm believer that Climate Change doesn’t exist…….wonder what he will say about all of this as he has seemed quiet so far.
The mayor withdrew $17.5m of funding from the fire service. The fire chief is on record saying DEI is her top priority.. now they’re short of firefighters because they’re only willing to hire certain types of people. The fire hydrants are empty, because environmentalist nut jobs complained about fish being harmed by using the water in the reservoir.
Post Edited (Thu 09 Jan 19:53)
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Topic Originator: Andrew283
Date: Thu 9 Jan 22:25
The reservoirs are empty because California sells the vast majority of it to farms and industry. This is the direct consequence of rampant capitalism
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Topic Originator: Dandy Warhol
Date: Fri 10 Jan 08:31
Man arrested for arson.
Crazy.
I don`t wanna go down like disco.
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Topic Originator: DunfyDave
Date: Fri 10 Jan 16:51
Quote:
Dandy Warhol, Thu 9 Jan 09:33
Mental that the state dumped billions of gallons of reserve water just before them and thousands upon thousands of insurance policies were cancelled just before too.
^^^ Are you suggesting that the insurance companies cancelled policies knowingly that the fire risk was increasing?
Atrocious if this is the case!!!
DunfyDave
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Topic Originator: buffy
Date: Fri 10 Jan 18:27
Probably because they know that wildfires can completely decimate properties and they can’t afford to pay out claims, imo. Before Florida was hit with their most recent tornado some major insurance companies also withdrew their policies.
”Buffy’s Buns are the finest in Fife”, J. Spence 2019”
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Topic Originator: jake89
Date: Fri 10 Jan 18:33
Which is taking the p*** given all those houses will have been assessed when applying for the home and building insurance. It`s why they check the postcode, proximity to water, history of movement etc. Scumbag behaviour to wait until they know something will happen then cancel policies.
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Topic Originator: Dandy Warhol
Date: Fri 10 Jan 18:43
Quote:
DunfyDave, Fri 10 Jan 16:51
Quote:
Dandy Warhol, Thu 9 Jan 09:33
Mental that the state dumped billions of gallons of reserve water just before them and thousands upon thousands of insurance policies were cancelled just before too.
^^^ Are you suggesting that the insurance companies cancelled policies knowingly that the fire risk was increasing?
Atrocious if this is the case!!!
You wouldn`t like to think so but insurance of any sort, especially in the US is filthy cynical.
I don`t wanna go down like disco.
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Topic Originator: Bletchley_Par
Date: Fri 10 Jan 18:56
Quote:
Topic Originator: jake89 like
Date: Fri 10 Jan 18:33
Which is taking the p*** given all those houses will have been assessed when applying for the home and building insurance. It`s why they check the postcode, proximity to water, history of movement etc. Scumbag behaviour to wait until they know something will happen then cancel policies.
The alternate may be the insurance company going bust with all that entails. So they either tell them beforehand "We can`t cover this" and giving folk time to make alternate arrangements or wait till afterwards when they can`t pay out.
I doubt the actuarial tables factored in no water in the fire hydrants. Given the average price of a Palisade home is about £5,000,000 I think it is the things that can never be replaced with money that will be missed the most.
It also means the less wealthy won`t be seeing a hike in premiums to rebuild Hollyweirdo`s houses.
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Topic Originator: jake89
Date: Fri 10 Jan 19:14
Quote:
Bletchley_Par, Fri 10 Jan 18:56
Quote:
Topic Originator: jake89 like
Date: Fri 10 Jan 18:33
Which is taking the p*** given all those houses will have been assessed when applying for the home and building insurance. It`s why they check the postcode, proximity to water, history of movement etc. Scumbag behaviour to wait until they know something will happen then cancel policies.
The alternate may be the insurance company going bust with all that entails. So they either tell them beforehand "We can`t cover this" and giving folk time to make alternate arrangements or wait till afterwards when they can`t pay out.
I doubt the actuarial tables factored in no water in the fire hydrants. Given the average price of a Palisade home is about £5,000,000 I think it is the things that can never be replaced with money that will be missed the most.
It also means the less wealthy won`t be seeing a hike in premiums to rebuild Hollyweirdo`s houses.
What you`re describing then is blatant fraud. You can`t offer a policy and then pull it when it might cost you money. All insurance policies are a gamble. Someone might pay for their whole life and never need it, or their house might burn down two months into the policy. It`s like going to the casino and demanding you get your money back if you lose.
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Topic Originator: Bletchley_Par
Date: Fri 10 Jan 19:27
Quote:
Topic Originator: jake89 like
Date: Fri 10 Jan 19:14
What you`re describing then is blatant fraud. You can`t offer a policy and then pull it when it might cost you money. All insurance policies are a gamble. Someone might pay for their whole life and never need it, or their house might burn down two months into the policy. It`s like going to the casino and demanding you get your money back if you lose.
No, what I`m describing is the reality of the smallprint of an insurance contract.
Us here in the Kingdom are not really subject to the natural disasters that occur in Babylon, especially SoCal, many of these polices would exclude natural disasters like earthquakes or fire, given that there have been people arrested for suspected arson that throws another spanner in the ointment.
Yes, it is like going to a Casino in that they can ask you to leave at any time if they think you are costing them too much.
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Topic Originator: P
Date: Fri 10 Jan 20:19
I understood it to be that the insurance companies assessed the increasing level of risk and at renewal hiked premiums up accordingly to the extent that they were too great and individuals did not renew / cancelled their policies. Similar to increasing premiums on properties that regularly flood.
Post Edited (Fri 10 Jan 20:20)
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Topic Originator: jake89
Date: Fri 10 Jan 22:26
Quote:
P, Fri 10 Jan 20:19
I understood it to be that the insurance companies assessed the increasing level of risk and at renewal hiked premiums up accordingly to the extent that they were too great and individuals did not renew / cancelled their policies. Similar to increasing premiums on properties that regularly flood.
Exactly. You can`t cancel someone`s insurance just because you`ve had second thoughts. If that`s permitted then why bother with insurance at all? They ask you questions, assess the risk and give you an appropriate price.
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Topic Originator: wee eck
Date: Fri 10 Jan 22:48
I saw an interview with a guy who was a former Olympic swimming medallist who had lost his home. His priority was to save his dog rather than his medals. He said he had no insurance and he thought that was the case for about 70% of those who had lost properties in the fires.
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Topic Originator: NMCmassive
Date: Sat 11 Jan 01:13
California and LA politicians have been making bad decision after bad decision and now that there is a real danger to life, livelihood and people’s homes it’s all starting to come out of the woodwork.
I can’t see Gavin Newsom lasting long after all this.
I seen someone pointed out the diversion of funds from the Fire departments and then the DEI hiring policies which left the fire departments short staffed but it goes back further than that. They had also withdrawn funds for park and public land maintenance etc basically they thought it was cheaper to not maintain the land through Forestry projects and if someone’s house was damaged/destroyed then the response and the funds would be covered by FEMA and not out of the state budget. Insanity if you ask me but not unlike our decision to cut back maintenance on our drains and waste water systems and only unblock once it’s been flooded.
Also worth noting that there seems to be arsonists at work (I think there has been at least 1 arrest) which is absolutely horrendous.
COYP
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Topic Originator: NMCmassive
Date: Sat 11 Jan 01:18
Quote:
wee eck, Fri 10 Jan 22:48
I saw an interview with a guy who was a former Olympic swimming medallist who had lost his home. His priority was to save his dog rather than his medals. He said he had no insurance and he thought that was the case for about 70% of those who had lost properties in the fires.
Recently listened to Quentin Tarantino talking about it (not on purpose it just happened to come up in the conversation)
Some people were getting quotes of up to $150,000 per year for their home insurance 😱
COYP
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Topic Originator: PARrot
Date: Sat 11 Jan 01:21
Quote:
Bletchley_Par, Fri 10 Jan 18:56
Quote:
Topic Originator: jake89 like
Date: Fri 10 Jan 18:33
Which is taking the p*** given all those houses will have been assessed when applying for the home and building insurance. It`s why they check the postcode, proximity to water, history of movement etc. Scumbag behaviour to wait until they know something will happen then cancel policies.
The alternate may be the insurance company going bust with all that entails. So they either tell them beforehand "We can`t cover this" and giving folk time to make alternate arrangements or wait till afterwards when they can`t pay out.
I doubt the actuarial tables factored in no water in the fire hydrants. Given the average price of a Palisade home is about £5,000,000 I think it is the things that can never be replaced with money that will be missed the most.
It also means the less wealthy won`t be seeing a hike in premiums to rebuild Hollyweirdo`s houses.
Sometimes not often but sometimes you make sense.
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Topic Originator: Dandy Warhol
Date: Sat 11 Jan 07:49
Quote:
NMCmassive, Sat 11 Jan 01:18
Quote:
wee eck, Fri 10 Jan 22:48
I saw an interview with a guy who was a former Olympic swimming medallist who had lost his home. His priority was to save his dog rather than his medals. He said he had no insurance and he thought that was the case for about 70% of those who had lost properties in the fires.
Recently listened to Quentin Tarantino talking about it (not on purpose it just happened to come up in the conversation)
Some people were getting quotes of up to $150,000 per year for their home insurance 😱
Great way to clear an area for prime land use.
I don`t wanna go down like disco.
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Topic Originator: Dave_1885
Date: Sat 11 Jan 08:19
Quote:
NMCmassive, Sat 11 Jan 01:18
Quote:
wee eck, Fri 10 Jan 22:48
I saw an interview with a guy who was a former Olympic swimming medallist who had lost his home. His priority was to save his dog rather than his medals. He said he had no insurance and he thought that was the case for about 70% of those who had lost properties in the fires.
Recently listened to Quentin Tarantino talking about it (not on purpose it just happened to come up in the conversation)
Some people were getting quotes of up to $150,000 per year for their home insurance 😱
You have to remember that the Palisades area is one of the most affluent in LA though - there was a guy on the news the other day stating that the majority of the homes in the area cost 20 to 30 Million dollars and the average price is 5 Million. Mot sure about the areas with the other fires though mind you.
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Topic Originator: Andrew283
Date: Sat 11 Jan 09:14
Time to go Luigi on Insurance providers. Time to make them scared
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Topic Originator: jake89
Date: Sat 11 Jan 09:49
There`s a difference between not insuring someone, or insuring by having exclusions, and cancelling a policy when it becomes apparent you might have to pay out.
I`m sure many in LA won`t have insurance and can afford to take the risk, but there will be plenty who will be screwed by these scummy insurance companies. It seems there`s been a ruling made in LA to prevent them doing this now.
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Topic Originator: LochgellyAlbert
Date: Sat 11 Jan 10:14
Insurance companies will make any excuse not to pay out, I remember when I was in the Fire Service that they complained we were causing too much damage to cars when cutting out casualties!🤬🚒
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Topic Originator: DunfyDave
Date: Sat 11 Jan 10:25
Quote:
LochgellyAlbert, Sat 11 Jan 10:14
Insurance companies will make any excuse not to pay out, I remember when I was in the Fire Service that they complained we were causing too much damage to cars when cutting out casualties!🤬🚒
^^^^ WOW 😳
DunfyDave
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Topic Originator: NMCmassive
Date: Sat 11 Jan 18:11
There’s a mixture of issues. As someone pointed out earlier there are areas that are amongst the richest in the country but it every area affected is and not every house in those area is owned by someone rich nor is it a rich persons house ( like a mansion or something)
Over the last couple of years there is growing complaints about the price of insurance and the amount of insurance policy that were cancelled or later changed to not include fire/flood coverage.
If we are talking about 70% of properties in an area not being insured then there is obviously an issue there - whether it’s caused by insurance companies or other factors I wouldn’t claim to know about but i think it’s deeper than insurance companies just being ar53 holes although, insurance companies can definitely be ar53 holes when you need them
COYP
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Topic Originator: The One Who Knocks
Date: Sat 11 Jan 18:22
My understanding is that back in July some insurance companies did stop covering properties in the area but every resident would have still been able to access a insurer of last resort through California`s FAIR scheme. However this would have only provided basic cover against fire which might have made it less attractive for some high end properties.
And although my eyes were open
They just might as well be closed
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Topic Originator: ipswichpar
Date: Sat 11 Jan 22:00
.
Post Edited (Sat 11 Jan 22:03)
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Topic Originator: veteraneastender
Date: Sun 12 Jan 09:43
California has extensive forested areas and tragically is no stranger to the dangers of wildfires.
Usually these occur in the northern more densely wooded parts of the state, rather than the heavily populated main urban locations.
When negative conditions such as dry countryside and high winds prevail a worst case scenario can evolve.
Post Edited (Sun 12 Jan 09:44)
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Topic Originator: Luxembourg Par
Date: Tue 14 Jan 10:49
Quote:
LochgellyAlbert, Sat 11 Jan 10:14
Insurance companies will make any excuse not to pay out, I remember when I was in the Fire Service that they complained we were causing too much damage to cars when cutting out casualties!🤬🚒
Where/when Lochgelly?
My old man was in Fire Service in Dunfermline & Rosyth for many years, 1975-1995 or thereabouts.
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Topic Originator: LochgellyAlbert
Date: Tue 14 Jan 12:37
Quote:
Luxembourg Par, Tue 14 Jan 10:49
Quote:
LochgellyAlbert, Sat 11 Jan 10:14
Insurance companies will make any excuse not to pay out, I remember when I was in the Fire Service that they complained we were causing too much damage to cars when cutting out casualties!🤬🚒
Where/when Lochgelly?
My old man was in Fire Service in Dunfermline & Rosyth for many years, 1975-1995 or thereabouts.
I will know him then! (73-2000)
Think it was when I was at Lochgelly Fire Station when we had the ET, early 80s!🤔
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Topic Originator: NMCmassive
Date: Tue 14 Jan 22:27
Quote:
LochgellyAlbert, Tue 14 Jan 12:37
Quote:
Luxembourg Par, Tue 14 Jan 10:49
Quote:
LochgellyAlbert, Sat 11 Jan 10:14
Insurance companies will make any excuse not to pay out, I remember when I was in the Fire Service that they complained we were causing too much damage to cars when cutting out casualties!🤬🚒
Where/when Lochgelly?
My old man was in Fire Service in Dunfermline & Rosyth for many years, 1975-1995 or thereabouts.
I will know him then! (73-2000)
Think it was when I was at Lochgelly Fire Station when we had the ET, early 80s!🤔
ET?
Did he make it home?
COYP
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Topic Originator: Bletchley_Par
Date: Fri 24 Jan 00:34
Our fleet insurance provider has called me to say they will not insure our vans being on the road tomorrow between 7am to 10pm.
Not that they were going to be anyway given the forecast, but yeah, it shows the control insurance companies can leverage.
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Topic Originator: Dave_1885
Date: Fri 24 Jan 04:05
Quote:
Bletchley_Par, Fri 24 Jan 00:34
Our fleet insurance provider has called me to say they will not insure our vans being on the road tomorrow between 7am to 10pm.
Not that they were going to be anyway given the forecast, but yeah, it shows the control insurance companies can leverage.
Sensible from insurance company. Make sure that they don’t need to pay out for any idiot that wants to go out during a major storm.
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Topic Originator: NMCmassive
Date: Sat 25 Jan 19:01
Quote:
Bletchley_Par, Fri 24 Jan 00:34
Our fleet insurance provider has called me to say they will not insure our vans being on the road tomorrow between 7am to 10pm.
Not that they were going to be anyway given the forecast, but yeah, it shows the control insurance companies can leverage.
Will they cover a parked van?
Or would they have covered a parked van?
COYP
Post Edited (Sat 25 Jan 19:02)
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Topic Originator: Bletchley_Par
Date: Sun 26 Jan 20:08
Quote:
Topic Originator: NMCmassive like
Date: Sat 25 Jan 19:01
Will they cover a parked van?
Or would they have covered a parked van?
COYP
If a vehicle was parked offsite it was covered, but the vehicles parked onsite are covered by a different section of the policy.
They just didn`t want us driving them.
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Topic Originator: NMCmassive
Date: Sun 26 Jan 23:04
Quote:
Bletchley_Par, Sun 26 Jan 20:08
Quote:
Topic Originator: NMCmassive like
Date: Sat 25 Jan 19:01
Will they cover a parked van?
Or would they have covered a parked van?
COYP
If a vehicle was parked offsite it was covered, but the vehicles parked onsite are covered by a different section of the policy.
They just didn`t want us driving them.
Fair enough.
If anything at least they gave notice they couldn’t insure any vans that were being driven due to the weather
COYP
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Topic Originator: Bletchley_Par
Date: Mon 27 Jan 21:38
You can really see what people even just wishing to clear out their lots are up against a local government who want to make people wait 18 months for a permit to clear their property.
It`s great to see the guy in the black hat speaking up for the residents who are homeless and calling out local government for chasing away insurance companies.
https://www.youtube.com/watch?v=3LFmE0TmvyM
And here is the same guy exposing DEI Mayor of LA Karen Bass lying about residents of the Palisades being able to clear out their lots
https://www.youtube.com/watch?v=l_IREnqjttw
Post Edited (Mon 27 Jan 21:43)
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Topic Originator: NMCmassive
Date: Mon 27 Jan 22:21
Quote:
Bletchley_Par, Mon 27 Jan 21:38
You can really see what people even just wishing to clear out their lots are up against a local government who want to make people wait 18 months for a permit to clear their property.
It`s great to see the guy in the black hat speaking up for the residents who are homeless and calling out local government for chasing away insurance companies.
https://www.youtube.com/watch?v=3LFmE0TmvyM
And here is the same guy exposing DEI Mayor of LA Karen Bass lying about residents of the Palisades being able to clear out their lots
https://www.youtube.com/watch?v=l_IREnqjttw
I actually seen them over the weekend. I don’t agree with quite a lot of what he says but when you look at the other side of the debate, it’s no wonder he got back in.
COYP
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