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Climate change fueled wildfires cause home and rental insurance rates to surge; State Farm solvency in question.
There! Fixed the headline. Journalism is so hard!
Well, when the media is owned by the same people who own the insurance companies, the headlines tend to be soft.
It's going to be true in parts of the country without wildfires too. For the second summer in a row, we had a devastating storm come through with 80mph+ shear winds which destroyed half the trees in the neighborhood. Obviously they fell on houses and cars. The power was out for a good day and a half and then went out for a good 10 hours again yesterday (we were gone for most of that one thankfully). This morning, a water main broke and I doubt it's coincidence, so we're under a 24-hour boil order now. We lost two of our own trees and it cost $3200 to get them taken care of. One hit the neighbors' garage, but apparently their insurance will have to cover that. Insurance doesn't cover downed trees. How long before they start raising our rates because of these storms causing home damage?
In my personal experience, basically no insurance in America is worth anything.
Nothing you would actually need insurance to cover ends up being covered, or, it covers a huge portion of an absurd cost which is only so absurd because of basically a corrupt cost inflation feedback loop between insurers and providers that you end up personally paying prices that are absurd to all but the very well off.
It ends up just being further cost requirements to basically exist, which means if you are poor fuck you, die.
Oh you want to challenge your insurance and force them to actually cover something?
Hire a lawyer! Those are cheap!
Believe it or not, when branches actually went through our roof a couple of times over the years, insurance did pay for it. They paid for half the garage roof to be re-shingled because of the damage one did.
So I guess it's a crap shoot.
Perfect article about exactly this situation.