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Is the world becoming uninsurable?

(charleshughsmith.substack.com)
476 points spking | 1 comments | 17 Jan 25 00:32 UTC | HN request time: 0s | source
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tobyhinloopen ◴[17 Jan 25 07:13 UTC] 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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infecto ◴[17 Jan 25 13:03 UTC] No.42737082[source]▶
Honest question. Why when people describe wood framed homes do they always phrase it like houses made from "firewood", "sticks", "twigs" etc? It at least for me always detracts from the argument at hand. You could just as easily build a wood framed home with an exterior shell that is fire resistant using modern materials or brick.
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1. smileysteve ◴[17 Jan 25 16:34 UTC] No.42739857[source]▶
Brick, stucco, concrete siding are all fire resistant and commonly used in construction in the last 25 years.

Insulation plays into combustability as well, where mineral / rock wool has thermal mass, does not ignite, but us construction has recently favored fiberglass and cellulose for the the costs.