[Stu from NYC]

One day allstate will make me replace our roof before necessary.

[JMintzer]

Originally Posted by defrey12

Yep, but “control burns” are bad. Just ask the climate kooks.

And don't forget the Giant Sequoias, and the Lodge Pole Pine, which require fire to melt the resin in their seed pods, to release the seeds...

[CoachKandSportsguy]

Originally Posted by Stu from NYC

Never understood not clearing the underbrush so foolish not to.

Having been out in Napa Valley just before the wild fires burned large parts of vineyards and towns, Tubbs fire, 2017, the terrain is just too big and steep to clear all the underbrush, as well as the winds with the geography tend to spread the fires very far and sometimes quickly . .

I would say that the fires have always been there, and there are just more people and houses such that the intersection of nature and humans have more opportunities to meet. Weather patterns are mostly random, so some things can happen every 100 years . . . but 100 years ago there were not many people / houses where there are now

Driving up some of the mountain roads, i don't understand why some people live up them, but to each their own prerogatives. . .

The insurance companies have a choice, either charge the max the state will allow for a high risk pool, or exit. . as the probability of loss is too high for the premiums collected, given the increasing number of houses at the intersection with nature.

[OrangeBlossomBaby]

Originally Posted by CoachKandSportsguy

I am not a climate change denier. . Just not sure of the cause because the true cause is seldom what common knowledge and politicians say is the cause.

But CA is a terrain which is prone to natural issues which have negative consequences on houses. . .

just wondering if the world is getting too big to manage given the human creativity to extend life way beyond what the pre 1900 life span average was, and to squeeze more crops out of an acre way beyond what the pre 1900 crop yield was

More people = more need for more water = less water available to keep the forests hydrated = more forest fires = more spread of forest fires = more difficulty in controlling forest fires.

[OrangeBlossomBaby]

Originally Posted by Susan1717

State Farm also quit selling home insurance in CA as well as FL. All weather and disaster related. They tried to blame politics here in FL but now out of CA as well. Not politics, but disaster claims.

Some of the disaster claim issue involves insurance and contractor regulations - which is absolutely politics. The disasters themselves are not politics. But who has to pay out, what they must/can't pay out and for what reason, and what premiums must/may not cover - are absolutely regulatory and political.

[OrangeBlossomBaby]

Originally Posted by NoMo50

Having been born and raised in southern California, I can tell you that not only has it always been this bad, it has been worse. In the late 60's and early 70's, wildfires across the hills between the mountains and the coast were regular occurrences.

Driven by the Santa Ana winds, those fires would race through the dry grass and scrub brush unimpeded, as they had been doing for thousands of years. The big difference between then and now is that homes have been built on those hills and valleys. The fires still occur, as they always have, but now they cause billions of dollars in damage. My old stomping grounds, back in 1969, had a population of around 29,000 souls. Today that same area is home to nearly 700,000 people. Do the math.

It is not unlike building a home in certain areas around New Orleans. If you build a home at an elevation that is lower than the Gulf of Mexico, and Lake Pontchartrain, what are the chances your home may flood? When people settle into what are natural pathways for nature to vent, Mother Nature always wins.

Then maybe governments need to be more accepting of nature, and stop allowing development in places where Mother Nature will ALWAYS win. Unfortunately that'd be bad for business and when it comes to politics - profiting business tends to trump "the good of the whole."

[JMintzer]

Originally Posted by OrangeBlossomBaby

More people = more need for more water = less water available to keep the forests hydrated = more forest fires = more spread of forest fires = more difficulty in controlling forest fires.

Rain is what keeps forests hydrated... Not water use by people...

[VILLAGERBB]

And let's not forget earthquakes.

Originally Posted by NoMo50

Having been born and raised in southern California, I can tell you that not only has it always been this bad, it has been worse. In the late 60's and early 70's, wildfires across the hills between the mountains and the coast were regular occurrences.

Driven by the Santa Ana winds, those fires would race through the dry grass and scrub brush unimpeded, as they had been doing for thousands of years. The big difference between then and now is that homes have been built on those hills and valleys. The fires still occur, as they always have, but now they cause billions of dollars in damage. My old stomping grounds, back in 1969, had a population of around 29,000 souls. Today that same area is home to nearly 700,000 people. Do the math.

It is not unlike building a home in certain areas around New Orleans. If you build a home at an elevation that is lower than the Gulf of Mexico, and Lake Pontchartrain, what are the chances your home may flood? When people settle into what are natural pathways for nature to vent, Mother Nature always wins.

[GatorFan]

Originally Posted by Stu from NYC

One day allstate will make me replace our roof before necessary.

They are not and are not non renewing.