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3 months agoNot (re)building in areas prone to wildfires, mudslides, floods, and the like would be a good start. Otherwise, someone has to pay to rebuild when the ever more frequent disaster hits. State farm and other insurers suck in many ways, but this isn’t unreasonable on their part.
They’re not silly at all, they’re thugs. They want to influence the next one by showing the cost of going against them.
Now, we’re lucky that they’re mostly grifting, incompetent, blustery cowards, so the risk isn’t what it could be.