It’s amazing what we humans presume to know today. Just 300 years ago we knew we were not a heliocentric solar system. Turns out we are 
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I don’t presume to know much detail about it, and it impresses me too. but its just chemistry. sample analysis, models, experiments, blah blah. Much like the generations of engineers and physicists whose work was built upon so we can build high rises today.
yea, I wasn’t necessarily saying I was trying to move anytime soon. i just think about the bigger picture regarding our industry.
If they are uninsurable, it would have to be cash buyers. Cash buyers may be more apt to get a home inspection, kinda like how if you use cash instead of a card for purchases, studies show you don’t spend as much and consider your purchases more closely.
That’s Minnesota already, lol. Home inspectors are still thriving here.
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yea that makes sense.
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As I was, the majority of the buyers in my area are cash buyers. Life’s been good to me so far They say I’m lazy but it takes all my time
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i was hoping there might be some benefits lol
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The weather conditions and climate have been varying for centuries and will continue to do so. Many of these so called studies are made with specific conditions and time frames to fit the narratives they want. If they ran a true study for a much longer period of time they will see the truth and not the bullshit they are trying to scare people with.
Now to answer your two questions.
First the only way the crap in this article will happen is if insurance providers decide they can no longer make money from insurance and pull out of a market. That has happened in onesy twosy cases even here when Allstate pulled out of Texas during the black mold scare of the 2000’s. However other carriers stepped in and life went on albeit with more expensive in premiums.
If you get a loan on a house you will be forced by the mortgage provider to have insurance. There will always be a company there to provide it either directly to the consumer/homeowner or forced through the mortgage provider. The only way you’ll see uninsured homes are cash buyers and that isn’t going to happen in the volume that would even cause home inspections to take a dip.
As for home inspections I would fully expect that anyone with a brain that is buying an uninsurable home would want to make damn sure there are no issues with it unless they plan to rehab it or level it to build on the lot. We already have the rehabs and tear downs going on now and that has changed little in our sphere.
We already have areas, albeit a small number, that are “undesirable/volatile locations for large part of the year” but that too isn’t about to happen in any large or even significant degree in anyone’s lifetime unless we have WW III. Of course given the direction our current Gubberment Administration is moving that’s always a possibility.
The climate change alarmists/cultists are using every avenue they can to bombard low information people and scare them into their line of thinking. Instead of even offering sane solutions to simple issues they prefer to claim “The sky is falling, the sky is falling!”. They spend more time, energy, and money dressing up as Chicken Little than actually working to solve any issues they claim exist!
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good perspective as always, Emmanuel. thanks.
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I am much much more concerned about what politicians will do to our housing market/economy than any climate change threat.
As long as I see climate change alarmist buying Beach front property and flying private, I know I’ll be ok.
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If you are in a “climate sensitive” area, you could take advantage of NACHI’s Green Building course and add-on a “Green Report” as an ancillary.
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Might be offering a bomb shelter inspection add-on one of these days.
If twilight zone taught me anything, it’s that you have to make sure your greedy, unprepared neighbors can’t break into your shelter.
Tell the government to turn off the damn HAARP!
The IRI transmits at frequencies between 2.7 and 10 MHz with a power of 3.6 megawatts. It transmits radio waves upward into the ionosphere, where they cause electrons to move in waves. HAARP is an ionospheric heater, so called because the excitation of electrons increases their temperature, and it is the most powerful ionospheric heater in the world.
Responsible for earthquakes and major storms when running.
It’s a modified Tesla thing.
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very interesting! although I highly doubt that relatively minuscule set of cables and electricity controls the weather (edit: in a measurable way, atleast. In theory, everytime a butterfly flaps it’s wings, it sets a chain of effects into motion that arguably “changes the weather”, but of course it’s negligible.)
it apparently manipulates the ionosphere and magnetosphere to find easier ways to transmit radio signals.
a couple dudes tried tried shoot up the facility in 2016 because they thought it was trapping peoples’ souls. i wouldn’t take their word for it.
Edit: WOW, these guys were really stupid. illegally selling weed while planning a hostile reclaimation of souls?!
Four AR-15 rifles, four Glock hand guns, a Remington rifle and two to three thousand rounds of ammunition were found on the 200 block of Jim Road in Coffee County.
Investigators also seized radios, two flak jackets, $5,500 and a small amount of marijuana.
Investigators discovered the plot after starting to investigate Mancil for possible drug sales.
From the article.
Mancil and Dryden are charged with selling Methamphetamine, possession of marijuana, possession of a weapon during the commission of a crime.
Seems to me they were partaking of their own products. To much Ganja maybe??
That’s what happens when climate cultists get together to plan solutions to potential problems. After all a very real example of this without the guns is the recent Commiefornia law banning fossil fuel powered vehicles by the year 2035 when they can’t even maintain a reliable electric grid to service normal use let alone an all EV environment. In Commiefornia they have climate cultist nut jobs destroying shit and getting ready to kill people without guns and explosives!
Not.
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I’ll try to answer the original question. I live in far northern California where poor forest-management practices and normal drought conditions, not climate change, have caused dozens of devastating forest fires in the past several years.
First off, thousands of families had their homes destroyed. When they finally received their insurance checks (those that had insurance), most started looking for affordable housing is safer areas where there already was a shortage of homes for sale, which caused home prices to soar. The seller’s market here got so bad that crappy homes would have 6 to 10 offers and the winner would pay 10 to 20% over asking price, in cash, with no contingencies (including no inspection contingency). Good for sellers (the few there were) and bad for buyers and home inspectors.
Things are getting more normal now, buyers have a bit more power and sellers are dropping prices from insane to only slightly-mad, and inspections are definitely picking up. However, at the pace they are going the fire-impacted affected areas will take a decade or so to recover, if they ever do fully. I am positive that City of Paradise will never be the same.
Regarding insurance… many home insurance companies have vacated the area. The ones that remain have exorbitant rates. What used to be $1,200 annual home insurance rate is now $2,500 to $4,000 annually, if you can get insurance at all. Being CA, the government has stepped in to provide expensive, crappy, insurance of last resort. And, being the government, they have attached a bunch of new rules. One that makes a ton of sense is they force the seller to implement a defensible space around the home, but with a good real estate agent, they might be able to pawn that off on the buyer. If there are a bunch of tall trees on your property near the house, that could run into thousands of dollars. The rule that some folks are going to hate even more is they want any roof older than 25 years to be replaced. So, if you installed a metal roof that can easily last 50 years or a tile roof that could last 100 - too bad. I am hoping that they carve out some exceptions going forward. The other is that manufactured homes will not be insured at their full value - ouch.
What has that done to me as home inspector? For one, I emphasize fire safety more than others and include advice about defensible space into my home inspections. I feel I would be remiss to do otherwise. If the problem our area was facing was flooding instead of wildfire, I am sure I would be more attuned to that hazard.
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Great insight, thank you.
Although it’s over 7 years old, here’s a very good and informative video that Ben Gromicko put together on the subject.
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wow, that’s really well made. comprehensive and easy to understand. Good job @Ben_Gromicko and the rest of the team! Ill finish that later.