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Insurance 'nightmare' unfolds for Florida homeowners after back-to-back hurricanes
(www.nbcnews.com)
this post was submitted on 13 Oct 2024
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I think we want the opposite of that. We want insurers to definitely pay out if they sold policies. We don't want them to collect premiums and then find shady ways to deny payment. If they decide to leave the market entirely, good for them, but as long as they're selling, we should insist that they pony up the payments.
Agreed. If they signed a policy they should pay for the loss. It should be an actual risk that we are paying them to ensure won't happen...so if it does, then they should pay for it. And if it doesn't make sense, they should not insure you. But then it would be good to not actually require insurance for home ownership. I would love to do that in case I don't actually care if the place gets hit by a hurricane. That incentive pushes me to design my house such that it can survive with little to no monetary loss to myself.