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In this, you are totally correct. And of course that is the right thing to do. Are you familiar with actuary tables? Insurers have been creating them for hundreds of years to spread risk and cost when things like this occur. Hundreds of millions of taxpayers pay in, and perhaps $5 of their taxes go to this cleanup operation - that is where the billions come from, and that is the right thing for the government to do.
Someone once said “Everything is great until something bad happens”, and that is why we have a government that we pay taxes to. FEMA (oh wait, the old guy coming in to office wants to eliminate them), and other government agencies step in during these situations to help citizens, not big businesses like the insurance companies that are walking away.
Another large out of control fire NE of here being beaten by the fire heroes. We hope. There have been several small ones even closer, nerves on edge and glad we have no bookings and some tequila.
I agree Slingster. The soft on crime is a big issue - there’s reports of tons of looters and arsonists who are taking advantage of the situation. The Gov- made looting a lesser crime and those in charge of the fire dept had their priorities all wrong. They cut the budget 17.5 million months before and were desperately underfunded despite others pleading not to. The water mgmt lady didn’t fill the reservoir, the mayor went off on a trip to Africa when she knew it was high fire season, the governor also cut the budget and dismissed cleaning the underbrush which the former Prez had advised him to. It stinks of incompetent leadership all around.