633
Scientist warn 1 billion on track to die from climate change.
(www.sciencealert.com)
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
this post was submitted on 30 Aug 2023
633 points (95.8% liked)
World News
38578 readers
1618 users here now
A community for discussing events around the World
Rules:
-
Rule 1: posts have the following requirements:
- Post news articles only
- Video links are NOT articles and will be removed.
- Title must match the article headline
- Not United States Internal News
- Recent (Past 30 Days)
- Screenshots/links to other social media sites (Twitter/X/Facebook/Youtube/reddit, etc.) are explicitly forbidden, as are link shorteners.
-
Rule 2: Do not copy the entire article into your post. The key points in 1-2 paragraphs is allowed (even encouraged!), but large segments of articles posted in the body will result in the post being removed. If you have to stop and think "Is this fair use?", it probably isn't. Archive links, especially the ones created on link submission, are absolutely allowed but those that avoid paywalls are not.
-
Rule 3: Opinions articles, or Articles based on misinformation/propaganda may be removed. Sources that have a Low or Very Low factual reporting rating or MBFC Credibility Rating may be removed.
-
Rule 4: Posts or comments that are homophobic, transphobic, racist, sexist, anti-religious, or ableist will be removed. “Ironic” prejudice is just prejudiced.
-
Posts and comments must abide by the lemmy.world terms of service UPDATED AS OF 10/19
-
Rule 5: Keep it civil. It's OK to say the subject of an article is behaving like a (pejorative, pejorative). It's NOT OK to say another USER is (pejorative). Strong language is fine, just not directed at other members. Engage in good-faith and with respect! This includes accusing another user of being a bot or paid actor. Trolling is uncivil and is grounds for removal and/or a community ban.
-
Rule 6: Memes, spam, other low effort posting, reposts, misinformation, advocating violence, off-topic, trolling, offensive, regarding the moderators or meta in content may be removed at any time.
-
Rule 7: We didn't USED to need a rule about how many posts one could make in a day, then someone posted NINETEEN articles in a single day. Not comments, FULL ARTICLES. If you're posting more than say, 10 or so, consider going outside and touching grass. We reserve the right to limit over-posting so a single user does not dominate the front page.
We ask that the users report any comment or post that violate the rules, to use critical thinking when reading, posting or commenting. Users that post off-topic spam, advocate violence, have multiple comments or posts removed, weaponize reports or violate the code of conduct will be banned.
All posts and comments will be reviewed on a case-by-case basis. This means that some content that violates the rules may be allowed, while other content that does not violate the rules may be removed. The moderators retain the right to remove any content and ban users.
Lemmy World Partners
News !news@lemmy.world
Politics !politics@lemmy.world
World Politics !globalpolitics@lemmy.world
Recommendations
For Firefox users, there is media bias / propaganda / fact check plugin.
https://addons.mozilla.org/en-US/firefox/addon/media-bias-fact-check/
- Consider including the article’s mediabiasfactcheck.com/ link
founded 1 year ago
MODERATORS
How does lack of homeowners insurance translate to excess climate change deaths? Serious question
Because when ice melts it turns to water. When lots of ice (the arctic) melts, it turns to water (the ocean). The problem is not only does this raise the sea level (effectively causing the coast to recede inward) but it causes more common and powerful natural disasters which, in turn, wreak havoc on specific parts of the country.
Which states typically face the worst natural disasters? Florida (hurricanes) and California (wildfires). When somebody's house gets blown or burned away, insurance is supposed to cover the cost. But what happens when the insurance company spends more on paying out claims than it brings in in revenue? It goes out of business.
To avoid going out of business, these insurance companies are looking at market projections that use data attempting to predict future risks, or future likelyhood that they will have to pay out to their clients. Since climate change is only going to make natural disasters more severe, but ALSO more common, the companies are (intelligently) no longer pursuing business sin these states because it they are going to pay out more than they take in. If they stay, they would lose money.
Edit: "Wreak" havoc, not "Reek".
It stinks, but not like that!
https://www.merriam-webster.com/dictionary/wreak%20havoc
Ahhhh should've checked! Good call
Where's the part that kills people tho?
Original OP said the homeowners insurance debacle in FL is going to contribute to the climate change deaths mention in the article.
I'm trying to understand how lack of property insurance results in excess deaths
Fair enough. Just speculating at this point, but I would think that, since it's rather difficult to just up and move to another state, people are going to find that they can't insure their homes, or if they can, they would be for exorbitant rates.
Banks require home insurance for a mortgage, so if all the insurance companies start pulling out, you're going to have large swathes of people who can't find or can't afford their insurance. I'm not sure what happens to your mortgage when you lose/can't find somebody to insure you, though, I imagine it's nothing good.
So if they have nobody willing to insure them (not there yet, but if all insurers start pulling out...) You'll have swathes of people who can't insure their homes and may go into foreclosure. Homelessness increases, and the homeless are some of the most vulnerable people in the country, so perhaps that's what they were thinking?
It's certainly going to cause significant financial hardships for those states at the very least, though how climate change's impact on the insurance industry SPECIFICALLY increases deaths, I am not sure.
Insurance policies are short-term and climate change is going to take longer to really hit. Climate change isn't why but rather legislative changes. I've left a more detailed comment elsewhere in this thread if you're interested.
They insurance price will need to increase in these new risk zoones.
Insurance companies don’t want to offer homeowners insurance in places where mass destruction is likely. It’s just not profitable.
Like other companies, an insurance company generally wants as many customers as possible. If an area is considered so potentially dangerous (and therefore unprofitable) that home insurers are willing to turn business away, it may be too potentially dangerous to live in at all.
We're not underinsured because of climate change per se in FL, it's because every storm results in a ton of fraudulent claims.
Again, how does lack of property insurance kill people?