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    Is the world becoming uninsurable?

    (charleshughsmith.substack.com)
    478 points spking | 13 comments | | HN request time: 0.865s | source | bottom
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    tobyhinloopen ◴[] No.42734903[source]
    American, living in area prone to natural disasters: "Is the WHOLE WORLD becoming uninsurable?"

    The answer is obviously "no" since there are other parts of the world that don't live on a hurricane highway nor build houses made from firewood in an area prone to wildfires.

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    epolanski ◴[] No.42736730[source]
    I'm always baffled at the fact that Americans don't build houses out of bricks.

    I read those arguments of the advantages this method has, especially financial ones, but to me it's nonsense considering that it would prevent an endless number of problems that cause the total loss.

    I still remember when New Orleans was hit with by Katrina, large parts of the suburbs where houses where made by wood and plastic where destroyed, yet downtown where buildings where made of bricks required maintenance, sometimes little of it, but none faced a total loss.

    replies(6): >>42736818 #>>42736971 #>>42737717 #>>42737826 #>>42740789 #>>42741662 #
    1. throwup238 ◴[] No.42736818[source]
    The entire west coast sits on top of a fault line. That’s why people don’t build with brick here. There’s plenty of brick buildings on the east coast (and on the west coast like in Oregon, but they have to be seismically retrofitted which is expensive).
    replies(3): >>42737119 #>>42737558 #>>42738746 #
    2. j16sdiz ◴[] No.42737119[source]
    It works for Taiwan and Japan
    replies(2): >>42737194 #>>42737214 #
    3. bane ◴[] No.42737194[source]
    Japanese houses aren't built with brick.
    4. grvdrm ◴[] No.42737214[source]
    Is that brick or is it reinforced masonry?
    replies(1): >>42737354 #
    5. CharlieDigital ◴[] No.42737354{3}[source]
    Both. Older single story tends to be brick.

    Newer multistory is typically cast in place with rebar reinforcement from what I can tell.

    In the countryside, you might find more masonry block construction, but not in dense urban areas like Taipei and Taichung where the norm is to build up. Most "single family homes" are what we would consider very large condos in the US.

    6. yulaow ◴[] No.42737558[source]
    I never understood this. We build in Europe, over earthquake-risk zones, with bricks and steel and we follow rules to make them earthquake resistant. It is not a problem anymore since like the 1980. We now have also methods to make old and very old brick buildings earthquake resistant without demolishing them
    replies(2): >>42737709 #>>42737838 #
    7. throwup238 ◴[] No.42737709[source]
    It works fine for commercial buildings and multi-family structures here too , there’s even a ton of brick buildings in Oregon (which are currently being retrofitted), but not as well for single family homes because of the cost.

    There’s a lot of historical context to understand here. The neighborhood that just burned down in the Eaton fire (Altadena), was built up by African Americans and Latinos who were redlined out of Pasadena even after desegregation. Some of them built their houses on land that they bought for under $100 in the 1950s and 60s. They wouldn’t have been able to afford the kind of construction they’d need to be both earthquake and fire resistant. Their choice was between owning an old tinderbox or renting from slumlords.

    8. kranke155 ◴[] No.42737838[source]
    What? What earthquake zone in Europe is similar to the fault lines in California? We are talking about entire cities wiped out by earthquakes just 120 years ago.
    replies(2): >>42740297 #>>42742222 #
    9. nujabe ◴[] No.42738746[source]
    It’s not just the West coast, brick buildings are simply not common all throughout the US, in places fault lines don’t exist.
    replies(1): >>42742515 #
    10. anthomtb ◴[] No.42740297{3}[source]
    Southern Italy. I believe the rest of Europe is quite seismically stable.
    replies(1): >>42744020 #
    11. mr_toad ◴[] No.42742222{3}[source]
    There’s a plate boundary running under Morocco and across the Mediterranean, but it’s not nearly as active as the Pacific Rim, and it’s quite a long way from Northern Europe.
    12. klodolph ◴[] No.42742515[source]
    Bricks have to be manufactured and transported. In denser countries, the transportation cost is lower and there is a factory near you. In the US, you’re damn well sure you can find timber, the US is loaded with timber.

    Brick also isn’t some magical building material that solves all your problems without drawbacks. Wood isn’t some evil building material that creates a bunch of problems without benefits.

    13. anthomtb ◴[] No.42744020{4}[source]
    5 hours of thought later, I am recalling that Greece is also seismically active.