[Zeke]

We are all paying for 10's of thousands of claims from the CA fires in the last years that have wiped out whole towns, NC flood and the like, and likely still suffering costs from some of the devastating hurricanes all the way back to Sandy and Katrina. The average homeowner has from no claims to very few.

But single largest item on the list of claims isn't total loss or extreme damage from fire and storms. It's water damage from plumbing. If there was a check list of things you could take out of the policy, if that coverage did not exist, I think the cost of premiums (why are they call premiums?) could be a lot less. Keep your plumbing in good shape and don't file claims. Well, yeah, it don't work like that, huh?

CA has already taken steps to relieve the flatlanders from the liabilities incurred by living in fire prone foothills and mountains. They've identified and segregated those properties and tagged them with huge policies and requirements to clear areas near homes from combustibles.

It would be kinda hard to do that with New Orleans and other coastal areas.

Hail damage is something I don't understand. I sure don't understand it with cars. There has to be ways to protect cars. Just leaving them out to get hail damage is irresponsible. Can't roofs be protected? I have no idea or knowledge. IDT hail could hurt my silicone coated built up flat roof. Maybe baseball size hail could, IDK.