AAA pulls back from offering insurance in Florida, following Farmers
Girlparts@kbin.social to 
News@kbin.social – 0 points – 
cbsnews.com
More insurance companies are fleeing the state because of the growing threat from natural disasters.
Girlparts@kbin.social to News@kbin.social – 0 points –
hopefully this is the monetary incentive required not to build in stupid places with lax regulations ... but i doubt it.
That's fine, but what happens when this expands with the the increasing effects of climate change? What happens when Arizona, New Mexico, and Texas health insurance costs triple because of the risks of extreme heat? What about New Orleans or locations prone to extreme storms or hurricanes?
Huge patches of countries all over the world are soon to become uninsurable because climate change makes it too dangerous to live there.
Yup. People gonna have to move.
Remember when people said that climate change would cost us trillions of dollars? This is why.
And it's gonna suck for most of us in a lot of ways. Like I moved up north partially because of politics back in 2014. Now some are eventually gonna follow and move up here as well. Plus, I can't afford a house. A lot of people can't afford one. But when more and more people come, we won't have enough. Unless we see some real, meaningful changes in the way we handle housing, it's gonna be a shit show.
I was talking to my mom back in I think 2020 and the subject of the cost of a home came up. I told her how much they are here, and she said me and my boyfriend should move near her and some other family in St Louis. While I would love to be near family, I'm gay. I'm not moving to a red state. And I'm not looking to buy a house I will eventually need to abandon with no one buying it. That's a lot of money to just lose.
A house is worth peanuts without water, this should be priority number one when purchasing a house. We should avoid cities and move closer to mountains where the rain will provide enough stream.
Plenty of cities have good access to water. It's why most of them were built where they were in the first place. And for the most part, it's the way you have the least impact on the environment.
That's the way it used to be.
Take the Rio Grande:
Cities will become traps. It was convenient before but now it is becoming a death trap, don't purchase a house there, you become dependent on someone bringing food and water to you. If you are in the business of searching for a house, avoid cities.
Except Florida's building code is more robust because of hurricanes, so it is more regulated than other states. They had lax standards up until 1993 when hurricane Andrew wiped Homestead, FL off the map over the course of a weekend. In 1996 they strengthened the building code to account for better construction methods to deal with hurricanes and tropical storms.
FTR, I'm not advocating for people that decide to move to Florida, I lived there myself from 1996 to 1999, and I have family that still reside in the state. The political climate in Florida is so much different now than it was back when I lived there...the "head in the sand" when it comes to climate change is real, and up until the water creeps into their living rooms in Tallahassee they might admit it's real.
Their codes are decent, but their construction firms and inspections have a reputation for putting up actual structures well below code, to put it mildly.
Building codes are only as good as their enforcement. If the firms aren't competent enough to implement them and the local councils don't have the will to punish bad actors, they mean nothing. And given that Florida is already in a nation-setting inflation crisis, I truly doubt they'll be changing policy in a way that makes homes more expensive -- like strictly enforcing code -- any time soon.
Could you cite an article that proves that? I'm not trying to be confrontational here. I'm just making a statement on Florida's building code. Because there is a definite improvement and difference between pre Andrew and post Andrew construction in Florida. It is visibly evident in construction methodology.
By its nature, the discussion is going to be financially motivated (typically by realty/inspection firms peddling wares or construction firms insisting their work standards are great). The reason for this is straightforward; the inspections/construction are almost entirely private and there are virtually no reporting requirements for issues, so most of those issues are invisible to the public (they get fixed privately if at all).
So you can easily find stuff like this, which I admit is basically marketing material for a service vendor. But it's a quite robust industry for a reason.
It's really very hard to make objective claims one way or the other. These things are very hidden from the public, so the stories are inherently anecdotal. But I've lived in a few places in the world, and when I lived adjacent to this Florida stuff, the stories of just shoddy workmanship were every day. Texas also has a similarly bad reputation in my experience. I could link a bunch of news stories about homeowners that went public with lawsuits against builders, but that probably would not be persuasive.
But it's a fair criticism. I really can't back it up. It's just my opinion, and I do not trust developers, especially large developers, and especially large developers in the south, and especially especially large developers in Florida, to not try to sell a pig in a poke to ignorant buyers. That was the lesson of Surfside, to me. That the government in Florida isn't looking out for you and the developers don't care if you die, they just want their money.