Ice age

Thanks for your letter, Mr. Donnelly but the “new normal” is to blame climate change for everything under the sun and the moon and the stars. Notice how climate change is blamed for heat, cold, hurricanes, tropical storms, earthquakes, fires, stubbing your toe, bread becoming moldy, hair loss, Covid, etc. Why wouldn’t insurance companies use “climate change” as a factor? I’d expect other insurance companies, such as for auto, health, liability, etc. to soon use “climate change” as a factor, if they haven’t already. The left wanted to stress climate change in our everyday world – now their wish is granted, to everyone’s detriment.

Hard to blame the insurance companies. The fires in LA show the risk they take insuring homes in CA. Who would insure a home in Los Angeles with the fires there now. It would help if we pushed for more fire prevention building codes but our feckless politicians put their own interest first.

Timmy, the LA Times ran an article about 8 years ago in which they said there were 102 MILLION dead trees in CA. Dead trees are kindling, the same as having an old wood shake roof on a home. Insurance carriers know that there is far more risk with old wood shake roofs than an asphalt so they don't insure wood shake homes. The insurance carriers also know now that the State of California's lack of maintenance, (dead trees, dead brush, the lack of fire breaks, the lack of controlled burns etc..) make CA an out of control risk.

From the article _ https://www.latimes.com/local/california/la-me-sierra-tree-mortality-20161129-story.html

"Others take a more conventional view, laying blame mostly with the Forest Service, which through the suppression of forest fires and the enforcement of environmental regulations (the spotted owl is often cited), allowed the forest to become overcrowded." Environmentalists get in the way as well along with the bleeding heart black robes.

If you want a solution then read this article, it shows how American Indians controlled the forest.

https://www.fs.usda.gov/about-agency/features/tribal-and-indigenous-fire-tradition