Folks where I come from have done it a lot, and they’ll likely do a lot more of it in the coming decades. I got kind of personally lucky, in that the 23 years I lived on the Florida coast, I only had to evacuate once, and David was really a wimpy little storm, and it was kind of fun gathering at my brother’s house across the lagoon and cooking frozen food on the hibachi after the power went out.
A little party.
After I left, well, that Florida coast got slammed, bigly, several times. Folks on the beach suffered lots of damage, or at least their homes did, lots of oceanfront condos, lots of even not oceanfront but just across the street, my sister and brother in law are just across the street, but their home took a very hard hit one year, my ex boyfriend's place too, and his mother's condo, lots of condos hit hard, and they basically had to start over, live somewhere else for a year while the work got done, at least my sister and brother in law did.
But it got done, they rebuilt.
They added big time storm shutters, all sorts of improvements, preparation for next time, and luckily, they were well insured. It costs them, that insurance, but that’s okay. The oceanfront folks, well, they can’t really get insured any more, but that doesn’t much matter, at least for those with actual oceanfront houses, because they’re so f*cking rich they just rebuild and deduct it from their taxes.
They don’t much care. They can fly right out of there. The people of N'walins, well, not so much. Let's not get started on the "3rd world", those folks that we put on some quantitative scale, not the 1st (can I get a blue ribbon?) world.
The Okies, especially those down in Moore, that town that the tornado gods just slam right on through every few years, they’ve got it down. Okies are really resourceful folks. Even if a body (or her home) is not slammed by a tornado every few years, the hailstorms pretty much decimate half (or more) of the roofs in town every single year, or every few years, and the roofers and insurers have such a great collaborative game going, they don’t even need to bother with any rules or anything.
There’s money to be made. A who doesn't want a new roof every couple of years, decimated or not?
The roofers, those folks earn every dime, at least the ones doing the actual work, the douchebags who are out driving around making the dishonest deals, not so much. The insurers? Well, I’m not quite so sure what it is they’re doing, making lots of money, breaking lots of laws, that’s for sure.
But what all of them are doing, the Okies after the tornado, the Floridians after the Hurricane, the Californians after the fires sweep through the Chaparral, or after the mud slides that nice palatial place right off the side of the hill, is the definition of stupid.
They’re building their dwelling place right back in that spot where it’s going to get slammed again, next time that tornado or hurricane or fire or mudslide comes sliding through, and all of us are paying for it, because insurance, even if our home is in a much more sensible place.
Self insuring has always seemed so much more practical to me, for everything from the automobile to the home to the body, and most especially the body.
Shall I pay to ensure your stupidity? Or ignorance? Or self centered-ness? Why? Because I'm compassionate of your stupidity, or ignorance, or self centered-ness, shall I pay so you can continue to be that way?
I don't mind paying to help you out, if you're in need, at all, assuming I'm able. Being compelled to pay so that you can be an idiot? No thanks.